Considering a Loan for the First Time?

06 November 2026

first time loan 6th nov
If you've never had a loan with us before, you could borrow up to £12,000 with our exclusive First-Time Loan rate.

FIRST TIME LOAN

  • Available at our lower interest rate of 5.5% APR.
  • Borrow a maximum £12,000 (you'll need £2,400 in your HACCU to borrow the full £12,000).
  • Amount based on 5 x times your total savings (don't have enough savings to borrow?  Option to make a deposit!).
  • Minimum repayment term 6 months. 
  • Maximum repayment term 60 months.
  • Free Life Cover up to age 70.

*Ts/Cs apply

FIRST TIME LOAN

No pledged shares? No problem:

  • 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.

Join online today and take advantage 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