Get a Holiday Loan tailored for you
If you are thinking about a short break away or a longer escape we can get you there with a Holiday Loan. The flexibility of our Holiday Loan allows you to borrow an amount that exactly meets your needs. Having the funds available to pay for your holiday gives you the flexibility to shop around for your ideal holiday. So if you live or work in North Essex, Norfolk, Suffolk or Cambridgeshire, and are looking for a loan so you can afford a holiday, we are here to help.
- Loan decisions by people not computers
- Repayments weekly, or monthly
- No setup fees or early repayment fees
- A decision in 3 – 4 working days
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* Representative example.
Borrowing £00.00 over Months will cost £00.00/month. Total amount repayable is £00.00 which includes interest at 42.6% APR.
The figures given above are for illustrative purposes only and may not be the APR you receive. The actual interest rates and repayment amounts may vary subject to loan amount and status.
How does it work?
Join the Credit Union & apply for a loan in the Members Area. Once approved, sign the loan agreement and set up your repayments to your Credit Union account. Your first repayment will stay in your Credit Union account available for you to withdraw. Your loan is transferred to your bank account same working day.
It is easy to apply
1. Check you are eligible & are a member
You must live or work in North Essex, Norfolk, Suffolk or Cambridgeshire, and have joined our Credit Union.
Note: We are unable to offer loans to anyone who is currently bankrupt, in a DRO, IVA or Debt Management Plan. We are unlikely to lend if you have undressed CCJs or have defaulted on current credit within the last 12 months.
2. Apply Online
Please sign into the Members Area to complete a loan application.
Please ensure you complete the Income & Expenditure part, we need to ensure the repayments are affordable based on your current financial situation.
3. Submit any additional information requested
Please look out for an email from the Loans Officer asking for additional information. We may need to clarify your income and expenditure via Consents.Online.
4. Sign your digital Loan Agreement
We will email you a digital loan agreement. Please follow the steps on the email to submit your digital signature. Remember to check the bank details on the agreement before signing!
5. Money Received
If you are repaying by Standing Order, this needs to be set up. We will need to receive the first Standing Order before we will release your loan. The first Standing Order will credit your share account with us, where you can start saving as well as repaying your loan.
Note: Loan repayments are due during the whole term of the loan. Failure to make scheduled loan repayments will lead to arrears action and may affect your credit history.
FAQs
Applications are currently closed until Wednesday 24th January while we switch over systems.
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