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Introductory Loans – new

Members are normally asked to save with us for a few months before we will lend to them – the exceptions being if you join and save through your payroll (automatic deductions) or your child benefit (Family Loans, also called Child Benefit Savings and Loans Plan).

In order to meet the demand from those who might otherwise fall into the hands of payday and other predatory lenders, we are now offering immediate loans in certain limited circumstances to new members.  This will depend on an enhanced credit check and evidence of a regular income.  Like any other new member there will be a requirement to start saving regularly into an OCU savings account.

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