Affordable Loans

At LincUp we provide affordable personal loans to our members. Unlike most other lenders our acceptance criteria is based on your ability to repay the loan rather than past credit history

All loans are subject to status and approval and are only available to members of the credit union who are over the age of 18.

What are the benefits of a LincUp loan?

• A previous poor credit history may not stop you getting a loan
• No arrangement fees or penalties for early repayment
• A choice of repayment methods and frequencies
• Free life assurance cover to repay any outstanding balance in the event of your death (conditions apply)
• The interest you pay stays in the local community
• A LincUp loan can help to repair a poor credit rating

What type of loan can I have?

The table below illustrates the loans that may be available. You should only apply for a loan if you are confident that you will be able to afford the repayments. LincUp is a responsible lender and you will need to be able to demonstrate to us that the budget you provide in your application is accurate and realistic.

Please see our Guide for improving your chances of being accepted for a loan.