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Our Credit Builder Loan is available to members who have either a poor credit history, no credit history or for whom mainstream lending is unavailable and might otherwise resort to borrowing from high interest lenders and loan sharks.   


  • Open to All Members

  • No minimum savings balance required

  • Maximum Loan of £500 

  • 42.6% APR

In order for your Loan application to be considered, you must have an active membership with us. If you aren't already a member, you will be able to register for membership whilst applying.

The easiest way to apply for a Credit Builder Loan is to APPLY ONLINE.

As part of the loan review process all applicants will be required to provide a minimum of 2 months’ bank statements for all currently active Bank Accounts (including savings accounts). The statements must be in a PDF format and can be sent either via email to:, Open Banking or uploaded to the Nivo app. You may be asked to provide further documentation should it be required.

IMPORTANT** If you have an existing loan product, which is up to date on repayments (not in default), you may be eligible to apply for an alternative loan product to better suit your needs.

Our expert team is dedicated to providing personalised guidance, ensuring that you understand all of your options and choose the one that best suits your situation. (Subject to our lending criteria, as well as eligibility and affordability checks.)

All rates and information is correct as of 1st June 2024

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