How to Apply

The process of borrowing is as follows: There are just 3 easy steps!

1. Application

  • Please download the loan application form as an **EDITABLE PDF, completing in full and sending it via email to or posting it in to the office. **You can complete your application via mobile using the Adobe PDF app for Android or Apple.

  • You can also telephone, or call in to the office and complete paperwork in person during our opening hours Monday-Friday between 9am to 5pm.

  • Alternatively "online banking" registered members can complete a loan application securely online.

2. Approval

Please note that all applications may be subject to Credit Check, depending on circumstances.

Upon processing the loan, a 'Loan Agreement' form is completed by the Loans Officer detailing the terms and conditions of borrowing and outlining repayments.  Please ensure you read all the terms and conditions in full and can afford the repayments as outlined.

3. Issue

The 'Loan Agreement' must be signed before the loan can be issued. Therefore, if you tick on the initial application that you wish to call to the office to sign the 'Loan Agreement', you can do this during the opening hours.  If your loan needs to go to Committee for approval, you may want to wait until after the meeting has passed, to avoid making two trips.  If you tick on the initial application that you want the 'Loan Agreement' form emailed or posted to you - it will be sent out to you to sign and return. Once the 'Loan Agreement' is returned to the office, after approval, the funds will be transferred to your bank account. Only in exceptional circumstances will a cheque will be issued.

  • If you do not hear from us, you may assume that your loan has been approved.  We will only contact you if there has been a problem or query - you therefore do not need to contact the office to check if your loan has been approved.

  • Loans approved at Credit Committee will be available for issue, depending on the arrangements you have made, on the day of the meeting - funds will be transferred to your account directly. 

  • All loans are subject to approval and to the availability of funds.

All business with the Credit Union is conducted in the strictest of confidence.

FREE LIFE COVER: Your savings and loans are protected at no direct cost to you the member - in the event of your death any outstanding loan balance is cleared and your nominated beneficiary could receive 1.5 times your savings balance (additional benefit capped at £5,000). T's and C's apply.  Example:  £10,000 savings balance - your loved one could receive £5,000 on TOP of your savings. We have simplified this process as far as humanly possible to minimise the burden on your loved one.

To find out if you are eligible to borrow, or for any further queries, please give us a call between 9am - 5pm Monday to Friday on 028 9068 5198 or email



Harp and Crown Credit Union Ltd are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number (FRN) 577113. For details visit
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