Payroll Member Loan
If you’re employed by a Payroll Partner then you could qualify for a 1% APR discount on our normal interest rates.
Does your employer offer our Payroll Deduction Scheme?
If you’re employed by one of our Payroll Partners then you could qualify for a 1% APR discount. This is applied to our normal interest rates for loans of £2,000 or more. For further information contact our main branch or check with your employer to see if they operate a Payroll Deduction Scheme with Just Credit Union. When you take out a loan from Just CU, you also benefit from FREE loan protection insurance. This will pay off the loan in the event of your death.
To find out if your employer is one of our Payroll Partners click here.
You also have peace of mind that our loans and savings have been awarded the FairLife mark recognising that we trade fairly and price honestly. To find out more click here.
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Loan Details
- Borrow between £300 and £15,000 (subject to status)
- From 5% APR representative
- Weekly, fortnightly, 4 weekly or monthly repayments
- Loan period 3-60 months
- No hidden charges, arrangement fees or early repayment penalties
- FREE loan protection insurance (conditions may apply)
- Quick decision available
How much can I borrow?
We offer a choice of fair and affordable loans. Use the Loan Calculator to show how much you could borrow and how much you would pay back.
Loan Calculator
How much would you like to borrow?
And for how long?
Apply for a Loan
*Representative example. The figures given above are for illustrative purposes only and may not be the APR you receive. The actual interest rates and repayment amounts may vary subject to loan amount and status.
Ready to apply for a loan?
Just Credit Union is a responsible lender who will only lend you what you can afford to repay. All our loans are subject to status and based on an applicant’s ability to afford the repayments.
Please check to see if your employer is a Payroll Partner. If your employer isn’t listed, we are happy to speak to your HR / payroll department about the benefits of offering our payroll deduction scheme. Please ask them to call us on 01743 252 325 or email info@justcreditunion.org to find out more. If you’re eligible for a Payroll Member Loan, then please complete the online application form. Alternatively you can download, complete and return a printed copy of the application form to our office (make sure you include your Payroll Number). To apply for a loan you will need to be aged 18-65, be eligible to join Just Credit Union if you are not already a member, and have a minimum income of £125 per week. If this is your first loan from Just Credit Union, the maximum you will be able to borrow from us will be £600. Terms and conditions apply.
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Why choose Just Credit Union?
Just Credit Union is a not-for-profit savings and loans cooperative owned by its members and managed for their mutual benefit. We provide a safe home for savings with access to affordable low cost loans. Membership is open to anyone who lives or works in Shropshire, Telford & Wrekin, Herefordshire, Stafford, South Staffordshire, Wyre Forest, Newcastle Under Lyme, Malvern Hills, Worcester, or Stoke-on-Trent.
We are authorised by the Prudential Regulation Authority and part of the Financial Services Compensation Scheme (FCSC).
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Saving and borrowing from your local credit union is a great way to support your community. Get access to safe, friendly and ethical financial services.
Become A Member
Get in touch with your local credit union today. Call us on 01743 252 325, email info@justcreditunion.org or join our mailing list.
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