Securing better financial futures
Savings and affordable loans focused on your needs, not on profit.
Personal
Loan
- Easy to apply
- Affordable, flexible repayments
- Borrow from £100 up to £15,000
- No hidden costs or sign up charges
- People with poor credit history can apply
Simple Savings
Account
- Start saving with as little as £1
- £10,000 limit on deposits
- Requesting a withdrawal is quick and easy
- 24 hour access to your account online or with our app
Debt Consolidation
Loan
- Help to take back control of your debts
- Simplify multiple repayments with one amount
- Up to a maximum balance of £5,000
- Your monthly repayments may be reduced
Before you apply
We Want to Help!
Application Information Tips
We’re committed to making your application process as easy and secure as possible. Here are some key things to keep in mind:
Accurate Information Speeds Up Your Application
The information you provide helps us verify your identity and make a quick decision on your application. Accurate details will streamline the process and get you on your way faster!
Security is Our Top Priority
We use secure technology to verify your application. To ensure your safety and prevent fraud, we can only accept applications with your bank account details. Providing inaccurate information, including using someone else’s bank account, can lead to your application being withdrawn.
If you are self-employed
Please note that we do not take self-employed income into account during our affordability assessment, this means that we cannot offer you a loan if you rely solely on your self-employed income.
We can however offer a loan to you if you are self-employed and in receipt of additional benefits, if the loan is deemed affordable.
Open Banking: A Secure and Convenient Way to Apply
We use Open Banking technology to securely access your bank statements directly. This eliminates the need for manual uploads and keeps your information safe.
Here’s How You Can Benefit:
- Faster Application Processing: Accurate information using your bank account and Open Banking will speed up your application review.
- No Need for Uploads: Open Banking takes care of retrieving your bank statements, saving you time and effort.
- Secure Technology: We prioritise the security of your information using the latest technology.
Still Have Questions?
We understand that applying for something new can be confusing. If you have any questions about using Open Banking or acceptable application information, please don’t hesitate to contact us on 0330 004 0842. We’re happy to help!
NLCU Blog
What is a
credit
union?
Credit unions are owned and run by the people who use their services. This means they can focus on what really matters. And that’s helping people, not chasing profits.
We deliver a range of competitively-priced financial products and services to our members from all sectors, including both the traditional banking customers and those who have been previously without access to banking facilities.
Who can join us?
Our loans and savings accounts are for people living or working anywhere in Nottinghamshire or Lincolnshire (excluding Humberside). They are also available for NCHA residents and those working for one of our payroll partners.
If you don’t qualify, there are many other local credit unions who may be able to help.
Become a member
To apply for a loan or savings account, you’ll need to join us as a member. You can do this easily and safely online, or by calling into one of our three branches.
