Apply for a loan

How would you like to apply?

Not yet a member?
Apply via Nivo app or Join & Borrow form

Applying with Nivo

Nivo is a fast and secure messaging service. All conversations through the app are encrypted to keep your information safe and protect your privacy. With Nivo, you will be able to digitally send us the documentation needed to progress your application and to conveniently sign your loan agreements if you’re successful.

Find out more here

Apply for a loan with nivo here

Applying with Members Access

Used Members Access before?

Applying by members access is secure, quick and easy and you'l be able to see illustrative examples of how much your loan might cost before you apply.

To apply - simply Login to your account, then click the 'Apply Now' button on the dashboard. As you'll be logged in to your account, we'll already have most of the details we need, so the application process is speeded up.

Login and apply now

New to Members Access?

Members Access is the best way to manage your account online. You can view your balances, make withdrawals and send secure messages as well as apply for, or top up an existing loan.

To get started, all you will need is your membership number, date of birth, email address and mobile phone number. We'll text & email one-time codes to your email and mobile phone to complete the registration, so make sure you have access to your phone and email when registering. Drop us an email at if you’re having any difficulty getting signed up.

Register here

Applying by Nivo or Members Access is the quickest and most efficient way to apply as you will be able to send documentation electronically. If however, you prefer to complete the process and send documentation in the post, you can apply using an online form here instead.