Calculate your monthly cost

I get paid:
How much would you like to borrow?
Over how long?

Representative example*

Please be aware that this is not a loan offer and the figures quoted in this document are based on the Representative APR which may differ from the actual APR you qualify for after we have conducted a credit search. As a result, this should only be used as an indicative illustration.

The calculator is for illustration purposes only. Rates may be withdrawn at any time. We reserve the right to refuse any application.

Your repayment:

Total amount repayable:

Representative APR:

Apply now

for employees


All you have to do is tell us the amount you want to save, which can be as little as £10 a month. This amount will then be deducted from your monthly salary and transferred directly into your savings account with us. You can easily withdraw your savings online, over the phone or at one of our branches.

Whether you save a little or a lot, putting money aside on a regular basis means you’ll be working towards a better way of managing. You’ll also have something to look forward to, or have a nest egg to fall back on for life’s little emergencies. 

As all savings with us are guaranteed by the Financial Services Compensation Scheme, you can be sure the money you put aside is completely safe. There’s even the possibility that you may receive an annual dividend on your savings, depending on the approval of members and how well we’re doing.

We’ve many other services available to help you make the most of your money, including Christmas, Goals, Holiday and Junior savings accounts.



By joining Payroll Pro you have access to exclusive and affordable interest rates that rival the high street banks. We offer loans of up to £15,000, and often lend when other lenders won’t. 

Just like our Payroll Pro savings account, loan repayments are made directly from your salary. This ensures you’ll never miss a repayment, thus protecting that all important credit rating.


Annual return on savings

As decided by our members at our AGM.

Access to affordable loans

Loans for any purpose to suit every pocket.

Online services

Login online or on our mobile app to access a full suite of forms to manage your account.

Payroll Pro offers and rates

Loans from as low as 11.9% APR for Payroll members.

No transaction fees

We have no hidden fees for our savings or loan accounts.

How does it work?



Your employer partners with Notts and Lincs Credit Union.


sign up

You open an account with the credit union.



Fill in a payroll deduction order to begin your deductions, either for savings or for a loan.


Deductions transferred

Payments are taken direct from your pay and paid straight over to your Credit Union account.

“This is great, a local organisation owned by and run for the members that use its services. It’s inclusive, safe, and ethical.”

Laura Jones, Head of HR at Nottingham Community Housing Association

We currently work with the following employers:

  • Ashfield District Council
  • Barbon Insurance Group Ltd
  • Boots
  • Boston Borough Council
  • Bridges Community Trust
  • Broxtowe Borough Council
  • City of Lincoln Council
  • East Lindsay District Council
  • Gedling Borough Council
  • Homestart
  • Inspire – Culture Learning & Libraries
  • LEAP – Lincolnshire Employment Accommodation Project
  • Lily and Co
  • Lincoln College
  • Lincolnshire Action Trust
  • Lincolnshire County Council
  • Lincolnshire Housing Partnership
  • Longhurst Group
  • Luxus Ltd
  • Magna Vitae
  • Mansfield District Council
  • Metropolitan Housing
  • Newark & Sherwood District Council
  • North Kesteven District Council
  • Nottingham City Council
  • Nottingham City Homes
  • Nottingham City Transport
  • Nottingham Community Housing Association
  • Nottinghamshire County Council
  • Public Sector Partnership Services
  • Rushcliffe Borough Council
  • St Ann’s Advice Centre
  • Totemic Ltd
  • Tuntum Housing
  • University of Lincoln
  • University of Nottingham
  • West Lindsay District Council
  • YMCA Robin Hood Group
Payroll Partners