Never Had a Loan With Us Before?

17 June 2026

first time loan 17th june
You could qualify for our low-rate First Time Loan at 5.5% APR.

✅ We no longer require new members to make one payment via direct debit or payroll to qualify and apply. Simply get in touch via email to organise the relevant deposit required for borrowing.

✅ Been a member for a while, but haven’t taken a loan out with us before? You could still qualify for this loan! 

  • Borrow 5 x timings your savings (don't have enough savings to borrow?  Option to make a deposit!)

  • Borrow a maximum £12,000 (you'll need £2,400 in your HACCU to borrow the full £12,000)

  • Flexible and affordable monthly repayments from 6 months - 60 months.

 

*Ts/Cs apply

 

First Time Loan

Don't have enough funds available to pledge shares for a loan?

  • Flexi-Loan: Borrow between £500 - £3,000. No pledged shares required! Can be taken in addition to a First Time Loan.
  • Signature Loan: Borrow between £5,000 - £15,000. 20% pledged shares not required!

Ts/Cs apply.

LOAN CALCULATOR:  Find out how much our £20K+ Loan could cost you monthly.

AND we have a NEW Online Joining Process making it easy to join and avail of this great loan option!

apply now

Is this the loan product for YOU? Get in touch today!

 

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.

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 http://www.fca.org.uk
regulator fca fcsc