Responder Loan

For when you
need some
flexibility...

The Responder is a top-up credit facility which gives the flexibility for up to six top-ups per year with a new credit agreement each time. There is a maximum total loan limit of £12,000 and the interest rate is 12.7% typical APR.

Repayments for this loan may be made by payroll deduction, where the facility exists or by direct debit. Once a member by virtue of having a Rewarder regular savings account, you may apply for a loan of up to £20,000 instantly. Whilst you are borrowing, we ask that you continue to save at least £10 per month. At the end of your loan, you'll then have a base of savings to use as you wish.

Please refer to Terms and Conditions in this section to see details of the content of the credit agreement you would be required to sign when taking out either a Resourcer or Responder loan.

For your assistance and information, please use our Responder Loan Calculator

Apply Online

Click here to receive an instant quote and apply online.

Further Information and Application Forms

To download the Responder leaflets plus the terms and conditions of the free life cover, please visit our downloads section.

To apply for a Responder Loan, please download the leaflet in our downloads section. Please note that we can only consider loan applications from existing members. So, if you're considering a loan in the future, think first about saving in the Rewarder regular savings account.

Payment Protection Insurance

We also offer the optional Protector payment protection insurance, which provides two levels of cover for payment protection in the event of accident and sickness (AS) or accident, sickness and unemployment (ASU). Please go to our downloads section to download the Protector leaflet which explains the cover available or the full policy documents which detail the terms and conditions of the cover.

Contact Us

If you want to discuss any aspect of borrowing with a Responder loan, please contact any branch.

Loans subject to status, conditions and credit checks to members aged 18 or over. Written quotations for loans available on request.

Under the Distance Marketing Directive, you have the right to cancel your loan within 14 days of completion, without financial penalty or interest charge, by repaying all funds borrowed.