Good credit should get you a better deal.
Borrow from £500 to £5,000 with our best-value personal loan, designed for people with a good credit history.
Our Price Promise: on qualifying StandardPlus loans up to £5,000, if you find a lower comparable unsecured rate genuinely available to you, we’ll beat it.
At a glance
Our best-value personal loan, with borrowing up to £5,000 and a Price Promise.
StandardPlus is designed for people with a good credit history who want a competitive personal loan from a member-owned, not-for-profit bank. You can borrow up to £5,000, choose a term of up to 60 months and benefit from flexible features, with every application assessed by a real person.
In plain English
What is it?
A competitively priced personal loan for people with a good credit history who want to borrow up to £5,000.
What does it do?
It gives you flexible borrowing over a term of up to 60 months, with no early repayment charge, Cashback savings and the option of a payment holiday where eligible.
Why have it?
Because StandardPlus combines competitive pricing with features that many mainstream loans do not offer. We are member owned and not for profit, and applications are still assessed by real people.
Better Overall
If you’re employed, have a good credit history and want to borrow, StandardPlus gives you another option. You can still get a highly competitive rate, but your borrowing also does something useful beyond simply generating profit for a large bank.
There’s more to a good loan than the rate
Compare the deal, not just a headline rate.
It is easy to assume that your existing bank will automatically give you the best loan rate. StandardPlus is designed to challenge that assumption. Our Price Promise means you can compare like for like and see whether community banking gives you the better deal.
You also get useful flexibility such as Cashback savings, no early repayment charge and, where eligible, a payment holiday.
A person still looks at your application.
StandardPlus is aimed at people with a good credit history, but we still believe lending decisions deserve proper judgement. We look at affordability, income, commitments and the application as a whole rather than treating lending as nothing more than an automated score.
That human approach has been part of Wessex lending for years and is one of the things that separates a community bank from a purely automated lender.
Established for 25 years, not here today and gone tomorrow.
Wessex Community Bank has been serving members since 2001. That history matters when you are choosing who to borrow from. We are a member-owned, not-for-profit bank with a long track record of lending, saving and supporting local communities.
Our Google feedback also gives prospective borrowers the chance to see what existing customers say about dealing with us before making a decision.
Borrow money and do something more than just borrow.
With a conventional lender, the interest you pay is simply part of the bank’s profit. Wessex is different. We are not for profit, and the money generated by the bank helps us continue supporting the communities we serve.
Through the Wessex Community Bank Foundation, we support local groups and useful community projects. Choosing StandardPlus therefore gives you a competitive personal loan while helping a community banking model that puts value back into local areas.
A long-standing community bank with 25 years of experience.
See what customers say about their experience of borrowing and banking with us.
Our priorities are built around members and the communities we serve.