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Our Loans

Borrow £300 and above over any period up to 5 years.

We use risk-based rates for our loans.

- We will offer the rates shown below for applicants with an excellent credit profile.
- We will offer a higher rate for all other applicants.  The higher rate will be between 3.0% and 7.0% above the rates shown below.

The maximum loan for first time borrowers is £5,000.

Our interest rates

Borrow £7,000 - £7,500 4.9% APR representative Loan calculator
Borrow £5,000 - £6,999 11.9% APR representative Loan calculator
Borrow £3,000 - £4.999 18.9% APR representative Loan calculator
Borrow £1,000 - £2,999 25.9% APR representative Loan calculator
Borrow £300 - £999 35.9% APR representative Loan calculator


You will have an excellent credit profile if you have a high credit score, have no County Court Judgements (CCJs), defaults or history of missed repayments, and for our largest loans, you are a home owner.

We would expect loans for certain items to be paid back over a shorter period.  These include:
- holidays (many people take a holiday every year);
- rent deposits (the average tenancy is under 5 years).

Loans must be repaid by direct debit or payroll deduction. See our payment pages for details.

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Kent Savers Credit Union Tel: 0333 321 9050 Email: Web:
Kent Savers Credit Union is authorised by the Prudential Regulation Authority and regulated by the Prudential Regulation and Financial Conduct Authorities - Firm No. 503258