POLICE CREDIT UNION
BECAUSE THERE'S STRENGTH IN UNITY
MEMBERS AREA
No secure word? Contact your branch.
Not registered yet? Click here to register.
Already done above? Login to your account.
RESPONDER LOAN
The Responder is a top-up credit facility which gives the flexibility for up to six top-ups per year. There is a maximum total loan limit of £12,000 and the charging rate is 11.68% 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 £5,000 instantly. Beyond this level, we will lend up to 20 times the level of savings held in your Rewarder account. 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, we have produced a representative table of monthly repayments for Responder loans.
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.
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.