We consider loyalty loans for members who have been saving with us for a minimum of 3 months. If you have established a regular pattern of saving we are more likely to say ‘Yes’ to a loan. Typically, we would consider a loan for up to 3 times what you have saved. Currently, the largest loan we would make is £5000. We will charge a smaller rate of interest for these loans (2% per month or 26.8% APR or less depending on how long you save with us). All loans are at the discretion of the Loan Officer and we will do credit checks.