Starter Loan

A small first loan to get you started with us.

We’re here for you, if you’re here for us.

We’ve been providing affordable loans for people on government benefits since 2001.

Thousands of people rely on us to help with not just their first loan, but their second, third and fourth.

It’s a simple idea. Pay back your loan without a hitch, and we’ll help you borrow more later when you need it.

We build long-term relationships.

Simple and straightforward thinking.

Important!

  • You must have at least one of your benefits paid into an account with us

  • You won't receive the loan until we receive your first benefit payment

  • The first loan is normally £500. Once we get to know you, you could borrow up to £2,500.

  • Child benefit

    Child tax credits

    Working tax credits

    PIP or DLA

    Carers allowance

    Single universal credit

    Pension or Pension credit

    ESA

    Income support

  • Yes. You need to have a least one benefit paid into an account with us to make your regular loan repayments.

    Most people choose child benefit, but we accept almost any benefit.

  • That’s OK. We’ll take your loan repayment and send the difference back to your normal bank account the same day. Or, you can save the difference.

  • We want to help people build their savings.

    With every loan repayment you make, we put a little extra aside from your loan payment into a cashback savings account. You can access your cashback when your loan is cleared.

  • We will allocate your loan once we have received your first benefit into your account with us.

Apply