Flexi-Loan: No Pledged Shares Required!

What’s different? 

• PROVIDES CREDIT WHEN NEEDED for flexible borrowing.  Example:  apply for £3,000 and just draw down what you need at any given time.

• NO PLEDGED SHARES REQUIRED:  Our other loan products are based on a 5:1 share to loan ratio, with the exception of our Loyal Saver Loan).

• 3-MONTH RULE BETWEEN LOAN APPLICATIONS DOES NOT APPLY TO FLEXI-LOAN.  Ts/Cs apply.  Members currently under 'restriction' are not eligible to apply at this time.

• CAN BE TAKEN 'IN ADDITION' TO AN EXISTING HACCU LOAN.  Ts/Cs apply.

• APPLY QUICKLY AND EASILY through our ONLINE BANKING APP.

• ACCESS YOUR FLEXI-LOAN IMMEDIATELY from our NEW online APP once approved (or email us if you prefer not to use online banking).

• Withdraw your flexi-loan "available funds" at any time without the need for another full application (flexi-loan agreement is reviewed after 3 years).  

• Suitable for short-term affordable repayments.  Example:  borrow £500 and pay £17 per month.  Borrow £3,000 and pay £97 per month.  Minimum balance payment terms - regardless of the balance on your flexi-loan account, the minimum balance will still have to be made.  Example:  apply for £3,000 and only draw down £1,500 initially - you will pay the minimum £97 per month (based on £3,000 limit) regardless. 

Who is it for? 

Whether you have an existing loan with us or have never borrowed, this is the perfect product for managing those annual bills, car or home insurance, caravan site fees, unexpected costs and more! 

For more detail visit our website HERE.  Ts and Cs apply. 

Questions? 

Get in touch today. 

Email creditunion@harpandcrown.co.uk

“Save regularly and borrow only what you need.”

The Harp and Crown Credit Union provides safe, secure, flexible finances for the wider police family in Northern Ireland.