Your Local Credit Union as an alternative to Provident Loans

After 140 years, it’s the end for Provident’s doorstep lending.

Notts and Lincs Credit union is here to help with an affordable loan.  If you like in Nottinghamshire or Lincolnshire, you can apply today.

Getting a loan from NLCU gives you all the benefits of the following:

  • Affordable Repayments
  • Quick Decision
  • No fees
  • No fuss
  • Local friendly service
  • Community owned
  • Not-for-profit
  • Option to save and repay loan at same time
  • Payments weekly, fortnightly, every four weeks or monthly
  • Loans for any purpose considered

Who can apply?

We offer loans to anyone who lives or works in Nottinghamshire of Lincolnshire, or who works for one of our payroll partners.

Our loans range from as low as £100 up to £15000.  Repayment terms up to 5 years to suit your needs.

Those with poor credit will be considered and we treat each application on an individual basis.

The maximum interest rate that we will offer is 42.6% and rates are currently as low as 11.9% dependant on the amount you need an your personal circumstances.



Please see our loans page for more rates and information.

Your Local Credit Union as an alternative to Provident

Our Maximum APR is lower than the lowest rates for many other payday and doorstep lenders like Provident, Loans at Home or Oakam.

Repay any time with no added fees or interest.

Open baking capability – complete your application online with no need for paperwork.


Interest Rate for Small Personal Loan


Loan Value

Notts and Lincs Credit Union

Always 42.6% APR

Up to £3000

(Credit Union Loan)


Minimum 535.3% APR

Maximum 1557.7% APR

Up to £1000


Minimum 223% APR

Maximum 1427.2% APR

Up to £1750

Loans at home

Minimum 466.4% APR

Maximum 1068.5% APR

Up to £600

Everyday loans

Maximum 299% APR

Representative 99.9% APR

Up to £15000