Frequently Asked Questions

You can join if you reside or are employed in the following postcodes: G, PA, FK, KA, ML and DG.

Apply online. The form takes around 10 minutes. You will need your personal and contact details, details of your beneficiary or next of kin, two forms of ID, a proof of address and your bank details. See how to join.

Yes. A parent or guardian can open a Junior Savings account. The child takes full control at 16.

By standing order, direct debit, card payment, or through your employer with Payroll Savers.

Yes. Your savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000.

Online, on our free mobile app, by phone or in any of our six branches.

You must be a member and aged 18 or over. You need at least £10 in your savings account before you can apply. We recommend saving regularly for at least eight weeks first.

You can apply for up to £15,000. We cannot guarantee you will be offered the full amount. We use a points-based system so that every loan is fair and affordable, and we assess applications in the order we receive them.

Once you have signed and returned your final loan document, you should receive the money the next working day.

By payroll deduction, standing order, direct debit, PayPoint or cash. Unless we agree otherwise, each payment goes towards your loan and the interest due on it.

Our lending team assesses every application. A decline means we cannot offer the amount you asked for this time. In some cases we may offer a smaller amount.

We recommend saving regularly for at least eight weeks before you apply again. If there is advice specific to you, our team will tell you when they give you our decision.

Contact us as soon as you can, by phone or email. Missed payments can harm your credit score and your ability to borrow in future. We will work with you to find a way to keep repaying that you can afford.