Borrowing Made Simple

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If you want an affordable loan with repayments suited to you, then JTCU might be just what you need.

As a credit union, we want our loans to benefit our members, not external executives or shareholders. This means we aim to make our loans affordable with competitive interest rates and make each loan decision on an individual basis.

To apply for a standard loan with JTCU you would need to be a member with us and saving for 3 months before applying for a loan. This helps our loans team assess the affordability of the loan and the repayment schedule. You can choose to repay your loan on a weekly, fortnightly or monthly basis, depending on how best suits you.

We offer loans from as little as £100 up to £15,000 and our members borrow from us for a wide range of reasons. Our interest rates are competitive with most high street lenders, with an APR typically between 12.7% and 42.6%. There are no penalties for early settlements and no hidden repayment charges.

Our save-as-you-borrow scheme means that even while you have a loan with us, your savings can continue to grow. We hope by encouraging our members to save even small amounts whilst they borrow that we can help our members move away from high cost lenders by helping them have their own little nest egg to fall back on.