First Time Loan

Did you know you could be eligible for our lowest interest rate loan if you have never taken a loan out with us before?



  • You must have completed at least one direct debit payment / made one payroll contribution into your member account

  • You have never taken a loan with the Harp and Crown Credit Union before

  • Loans available at our lower interest rate of 5.5% APR

  • Loans available up to a maximum of £12,000

  • Loan amount based on 5 x times your total savings (new members can deposit a maximum one lump sum payment of £5,000 in their first year)

  • Minimum repayment term 6 months

  • Maximum repayment term 60 months

With FREE LIFE COVER up to age 70

  • In the event of your death, your BENEFICIARY could receive 1.5 times your savings balance (additional benefit capped at £5,000).  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.

  • Any outstanding LOAN BALANCES would also be cleared.

LOAN CALCULATOR:  Find out how much one of our First Time Loan could cost you monthly.

Whether you need to consolidate outstanding, high interest debt; invest in home improvements; or cover any unexpected expenses, we are here to help.


Or contact us today to find out if you are eligible.

T:  028 9068 5198


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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