We are a financial co-operative based in Cheshire.

Members can now access Credit Unions services from a phone app.

Existing members can quickly verify they are the account holder and sign in.

Using fingerprint login, users can access balance information, apply for a share withdrawal or loan and check for the result of applications.

Low Risk Loan interest rate: 21.5% APR (1.63% monthly, 19.6% annually)
High Risk loan interest rate: 30.3% APR (2.23% monthly, 26.8% annually)

Loan term: 3 months to 3 years.

Non members can apply to join.

The maximum term for an low risk loan is three years. Unsecured loans have an interest rate of 19.6% per annum charged daily (APR 21.5%)
The maximum term for a high risk loan is three years. Secured loans have an interest rate of 26.8% per annum charged daily (APR 30.3%)

A £1000 savings based loan taken over 18 months would require 18 monthly repayments i.e. 17 payments of £66 with an additional final payment of £35.75
The total cost of the loan would be £157.75 charged in interest and the total sum repayable would be £1157.75