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How we assess your application

Assessing your application

Kent Savers assesses each loan application individually, taking into account specific borrowing needs. We seek to ensure that the loans we provide are most suited to your requirements by offering:

  • Weekly or monthly repayments
  • Repayments to suit your budget
  • No early redemption penalties
  • Interest charged on a daily basis

We will carefully consider your loan application by reviewing your income, expenditure, budget and existing credit commitments. All income must be declared after deductions - i.e. take home pay. We will also use the Experian Credit Reference Agency to assess your application.

Please note that if you fail to declare your true financial situation, we are very likely to refuse your application.

If you feel that you need to explain your financial situation further, please include a short covering note with your application form as this may aid your application process.

For more details your may find it helpful to read our notes on how we assess your application.

ClickDownload Kent Savers Loans Process (65.9kb)

How will my personal information be used?

We operate in accordance with the Data Protection Act 1998 and treat all information in strictest confidence.

ClickDownload Condensed guide to use of personal information (165.8kb)

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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