Apply for a loan

Not yet a Co-op Credit Union member? Join & Borrow here

Already a Co-op Credit Union member? Choose how to apply: 

Apply with Nivo


Please note: all applications are subject to approval and our usual lending and affordability checks. If you have been unsuccessful with a loan application with us in the last 3 months, or have CCJs or defaults elsewhere you are unlikely to be successful. See below for further details.

Applying by Nivo or Members Access using the above links 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.

All loan applications are subject to our Loan Approval Policy. Members who have been declined for a loan with us in the last 3 months are not eligible to apply. We will check your credit history and assess the affordability of loan repayments by reviewing your bank account(s). We may also request additional supporting information depending upon your circumstances, such as payslips, ID documents or immigration paperwork. All lending decisions are ultimately at the discretion of our team. We always do our best to say “yes” but unfortunately that is not always possible. We will be happy to provide information about how we made any decision upon request.