Do you want a reward for working hard to build up your savings? Then our Secured Loan is for YOU!


Borrow between £1000 – £20,000 against your share balance, which must be the value or higher than the applied amount, and you’ll receive your loan at the lowest interest rate we offer!


Keeping your savings while borrowing against them is a no brainer! Especially when all loan profits are paid back to the member.

  • Borrow against your share balance
  • Access our new lowest interest rate of 4.9%
  • Build up your savings while repaying the loan
  • Family protected by our free Loan Cover (T&Cs Apply)

Please read our full Terms and Conditions before applying for a loan application.

Terms and Conditions

How much will my loan cost?

Use our loan calculator to estimate how much you will have to repay. Either use the sliders, or input text to enter the loan amount; the repayment period – and whether you want to pay monthly or weekly. Also, remember to set the amount you wish to save – a minimum of £3 per week or £15 per month.

Please note: The figures given are for illustrative purposes only and may not be the APR you receive. The actual interest rates and repayment amounts may vary subject to loan amount and status.

Also, remember that the monthly figure shown is ONLY the loan repayment. Remember to add the amount you are saving each month/week to get your total deduction.

Member of ABCUL

Authorised and Regulated by

Regulated by

Your money is protected up to £85,000