Starter Loan from £50 to £300
The Starter Loan is in partnership between Stoke City Council and Just Credit Union. It’s a short-term, ethical loan from £50 to £300 and only available to people living in the Stoke-on-Trent City Council area.
An ethical, affordable and low cost loan for Stokies from £50 to £300
The Starter Loan is an ethical, low cost loan and an affordable alternative to payday or other high cost lenders. So if you’re looking for a low cost loan of up to £300, contact us today to see if you are eligible. It can also provide the first step in improving or repairing your credit rating and enable you to access further financial assistance in the future.
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 £50 and £300 (subject to status)
- 42.6% APR
- Weekly, fortnightly, 4 weekly or monthly repayments
- Loan period 3-12 months
- No hidden charges, arrangement fees or early repayment penalties
- Save as you borrow – *£1.50/week into a savings account
- *Savings are retained until the loan is repaid
- FREE loan protection insurance in the event of your death (conditions may apply)
- Top up loans after 3 months
- 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 Starter Loan?
Just Credit Union is a responsible lender who will only lend you what you can afford to repay so all our loans are subject to status and based on an applicant’s ability to afford the repayments.
Complete the online application form or alternatively download, complete and return a printed copy of the application form to our office. Provide your address details for the last 3 years, employment information and details of your income and outgoings. To apply for a loan you will need to live in the Stoke-on-Trent Council area, be aged 18+ and have an income from employment or benefits that supports your basic needs. If you have not been eligible for a JCU Standard Loan, you can apply for the Starter Loan. 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.
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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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