From first-time borrowers to flexible borrowing and larger loans, we have options to suit a range of needs.
First Time Loan
New to borrowing with Harp and Crown Credit Union?
- Excellent first-time rate 5.5% APR
- Borrow up to a maximum of £12,000
- Loan amount based on 5x your savings
- Free Life Cover up to age 70
Perfect for changing your car.
*Ts/Cs apply. *Loan rebate may apply.
Loyal saver loan
Rewarding our regular savers
- Our lowest interest rate 3.9% APR
- Borrow up to the value of your savings (maximum £35,000)
- 100% of the loan balance is locked in against your savings
- Free Life Cover up to age 70
Perfect for a dream holiday or home extensions.
*Ts/Cs apply. *Loan rebate may apply.
Standard loan £5k+
Bigger borrowing, better value
- Loan available between £5,000 and £19,999.99
- Lower interest rate 7.9% APR
- Loan amount based on 5x your savings
- Free Life Cover up to age 70
Perfect for a new car or kitchen makeover.
*Ts/Cs apply. *Loan rebate may apply.
standard loan up to £5k
Quick borrowing for everyday needs
- Loan available up to £4,999.99
- Interest rate 12% APR
- Loan amount based on 5x your savings
- Free Life Cover up to age 70
Perfect for car repairs or new furniture.
*Ts/Cs apply. *Loan rebate may apply.
£20K+ loan
Planning something big?
- Loan available between £20,000 and £35,000
- Lower interest rate 6.9% APR
- Loan amount based on 5x your savings
- Free Life Cover up to age 70
Perfect for consolidating high interest debt or a wedding.
*Ts/Cs apply. *Loan rebate may apply.
school uniform loan
Back to school made easier!
- Loan available at 0% APR
- Borrow up to maximum £400
- No pledged shares required!
- Members must have a junior account to apply
Perfect for uniforms, shoes, PE kits and other back-to-school costs.
*Ts/Cs apply. *Loan rebate may apply.
flexi-loan
Credit when you need it. No pledged shares required!
- Loan available between £500 and £3,000
- Interest rate 9.5% APR
- No pledged shares required!
- Can be taken in addition to an existing loan*
- Free Life Cover up to age 70
Perfect for unexpected bills or emergency expenses.
*Ts/Cs apply.
signature loan
Need to borrow bigger without the usual required shares?
- Loan available between £5,000 and £15,000
- Interest rate 9.9% APR
- 20% pledged shares not required!
- Free Life Cover up to age 70
Perfect for a car purchase, home improvements and debt consolidation.
*Ts/Cs apply.
LOAN CALCULATOR: Find out how much one of our Loans could cost you monthly.
apply now
Did you find the product that is right for you? Get in touch today!
- 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.
