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Signature loan
Our BRAND-NEW Standard Loan product is here! Designed to help members who need to borrow a larger amount NOW without the need for 20% shares. Borrow between £5,000 to £15,000.
20% pledged shares not required!
Ideal for any NEW members or members with a small savings pot (standard loans are based on borrowing 5 x times your savings). *Ts/Cs apply.NOT A MEMBER YET? You could apply for this product straightaway upon joining!
Loan Criteria and Terms
- Completion of an application form will be required.
- As 20% PLEDGED SHARES ARE NOT REQUIRED for this product, a NEW member can apply as soon as they have received their HACCU membership number (once account is opened).
- Loans available at 9.9% APR.
- Maximum loan of £15,000, subject to application and assessment.
- Minimum loan of £5,000.
- Maximum loan term 60 months.
- Minimum monthly £10 share deposit must be made along with loan repayment.
- Top-ups allowed subject to minimum period of 3 months between loans and subject to above.
- Loan will be cancelled immediately and potentially become fully repayable if minimum monthly payment is missed.
- Share withdrawals can only be made once shares have exceeded 20% ratio (based on original loan value).
FREE LIFE COVER
Up to age 70 years, all Harp and Crown Credit Union member receive Free Life Cover:
- 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.
Over 95%
OVERALL MEMBER Satisfaction
Over 95%
same day LOAN processing
95%
would recommend haccu
LOAN CALCULATOR: Find out how much our Signature Loan could cost you monthly.
apply now
- ONLINE BANKING APP **not yet registered? More detail HERE. You must contact us first to activate your online account.
- EMAIL creditunion@harpandcrown.co.uk to request an APPLICATION FORM.
- CALL INTO OUR OFFICE at Newforge Sports Complex and Event Hub.
- OR PHONE 028 9068 5198.
The Harp and Crown Credit Union has been providing safe, ethical and flexible finances for the Police and wider Police family in Northern Ireland since 1998.
