No automated decisions.
Loans assessed by humans, for humans.
We look at your circumstances properly rather than relying on a computer to make the decision for us.
A more affordable way to borrow.
Community Loans are designed to give people another option when mainstream borrowing may not be straightforward.
The point is simple: borrowing does not have to mean paying extremely high rates.
Benefits can count too.
You do not necessarily need all of your income to come from work. When we look at affordability, we can consider income from a range of benefits as part of your overall circumstances.
This is not a guarantee of a loan. We still assess every application individually and make sure the repayments look affordable.
We’re here for you, if you’re here for us.
We’ve been providing affordable loans to people receiving benefits since 2001, and many of our members come back to us when they need to borrow again.
The idea is simple. If you repay your loan well, we’ll do everything we can to help again when you need us.
We want to build a long term relationship, so you have somewhere familiar to turn rather than relying on payday or other high cost lenders.
You borrow. You save.
It’s what we’re known for.
We want borrowing to leave you in a better position, not just with another loan paid off.
That is why your Community Loan can also help you build savings through our Cashback scheme while you make your repayments.
We can help if benefits are your only source of income or if you receive benefits alongside wages from work.
Imagine repaying your loan and finishing with money saved as well.
That is the idea behind Cashback. As you repay your loan, you also build up your own Cashback savings pot.
When the loan is finished, you have not just cleared what you borrowed. You have built some savings of your own too.
Benefits welcome
Benefits can be your only income or paid alongside wages from employment.
Most benefits accepted
We can consider a wide range of benefit income when looking at affordability.
No automated decisions
A real person looks at your application and your individual circumstances.
No early repayment fees
Want to clear your loan sooner? We do not charge you an early repayment fee.
No hidden costs
Clear, straightforward borrowing without unexpected charges tucked away.
A local team
Our friendly team is based in Hampshire and here when you need to speak to someone.
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