In all cases you get:

  • Sensible interest rates - with, in most cases, a maximum of 2% per month (26.8% APR).
  • No hidden charges or unexpected penalties - for example, you can pay your loan off early without penalties if you are able to.
  • Lower rates if you have a track record with us - once we know you we may be able to offer you a lower rate or a larger amount.

Key Worker Loan

OCU wants to support our Key Workers during the current Covid 19 problem times

"Just Borrow" Loans

Members and non-members alike can apply for a loan of up to £750 repayable over 9 months using our new fast application process.

Child Benefit Loans

A Child Benefit Loan is a simple loan charged at a fair rate that you repay using your Child Benefit payments.

Saver Loans

Are available up to a maximum of £7,000 at competitive interest rates. You usually need to have been saving with us for at least three months.

Payroll Deduction Loan

Anyone who works for an employer who has a partnership agreement with us is eligible to apply for an introductory loan straightaway of up to £2,000 at 2% per month (26.8% APR). The repayments on the loan will taken directly out of your salary by your employer.

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