Spread the Cost of New Appliances with Our White Goods Loan
A White Goods Loan can help you finance essential appliances with flexible repayment terms. Borrow what you need for new appliances, with terms that suit your budget. Get the support you need for household essentials, and choose a repayment schedule that suits your budget and lifestyle. Please Note: We run Affordability & Credit Checks for all our Loan Applications.
The White Goods Loan from ESLCU helps you replace essential household appliances. Borrow from £300, with no setup fees or penalties for early repayment; a truly affordable solution for your home upgrades.
For Our Community
Our credit union White Goods Loan is for those living, working, studying or volunteering in Norfolk, Suffolk, Cambridgeshire, or North and Central Essex.
No Set Up or Early Repayment Fees
Our loan products, including the White Goods Loan, have no hidden fees and you can pay off your loan early without penalty. You are also welcome to make additional payments if and when it suits you. Doing this reduces the interest you pay too.
Clear Rates, Always
As an ethical credit union we work with honesty and trust. This means we prioritise transparency by clearly disclosing our loan rates at all times.
Quick Decisions
Once you become a member of ESLCU, you can apply for a White Goods Loan. Our loan decisions are typically made within 3-4 working days, and you can check on the status of your White Goods Loan application at any time through the Members Area. Please Note: We run both Credit & Affordability checks on all our Loan Applications.
Flexible Repayments
Pay back your credit union White Goods Loan in a way that suits you. We offer monthly or weekly repayment options across all of our loan products.
Fill in the membership form on our website. Please note, there is a recurring membership fee of £1 every 4 weeks for all of our accounts.
Pay £5 using PayPal or GoCardless (you’ll see the payment page after submitting the form).
Once approved, you’ll get an email with your membership number, account details, and information about us.
Once you join, you can apply for a loan in the Members Area. Loan decisions are typically made within 3-4 working days
Use our loan calculator to estimate your repayments based on the loan amount, time, and interest rate. It’s an easy way to plan your finances and make informed decisions before applying for your White Goods Loan. Start calculating today and see how much you could borrow!
The White Goods Loan from ESLCU is a small loan starting from £300, designed to help you purchase household appliances. Repayments can be made weekly, fortnightly, 4-weekly, or monthly, depending on what suits you best. You must also be an ESLCU member.
You can apply for the White Goods Loan if you live or work in North Essex, Norfolk, Suffolk, or Cambridgeshire, or work for one of our Payroll Partners like NSFT or East of England Coop.
Yes we do. A member of our loans team looks carefully at each application, and considers each one on a case-by-case basis. This means that we can consider small credit union loans for people who have had historic credit issues in some instances.
Once your loan is approved, you’ll need to sign the digital loan agreement. The funds will be released the same day we receive confirmation repayments are set up, along with the signed loan agreement.
You can top up your White Goods Loan once you’ve made half of the repayments. To track your loan balance, log into the Membership Area or call ESLCU at 03336 000690. When applying for a loan top-up, be sure to select “Standard Loan.”
Yes! You can make one-off or regular additional payments, or pay off your loan early without any extra charges. Interest is calculated on the reducing balance, meaning the more you repay, the less interest you’ll pay. This gives you flexibility to manage your loan in a way that suits you.
If you have recently completed a Debt Restructuring Order (DRO), Individual Voluntary Arrangement (IVA), or bankruptcy, it’s unlikely that you will be eligible for a loan. However, you can still open an account with us and use it as a “rainy-day” fund.
Experience Financial Freedom with Our Trusted Credit Union Services
