Once you have completed a loan application we will need you to submit a little supporting documentation before it can be passed to our loans officers for processing. 
Please ensure you are able to supply the following before submitting a loan application. 

New/First Loan Applications

• Bank Statements

Last 2 months bank statements for all accounts that you hold including Savings Accounts

• Your latest Universal Credit Statement
• Wage Slips

If you are currently employed we ask you to submit your last 2 months or 6 weeks wage slips.

• Two forms of Identification (New Members Only)

To comply with Anti Money Laundering Regulations we need to receive 2 forms of identification before opening an account, one confirming who you are and a second to confirm your address.  Examples include, Driving Licence, Passport, Utility Bill or Benefits letter dated within the last 3 months, wage slip or Council Tax bill. 

Top Up Loan Applications

• Bank Statements

Submission of bank statements are not required as part of this type of application.

However, we may ask from time to time for evidence of your income and expenditure as part of a 'Financial Health Check'

Applications will only be considered once supporting documents have been received.  Unfortunately we are unable to accept screenshots of your bank statements.

How to supply your supporting documents

Bank Statements

If you use online banking or a banking app, the quickest and simplest way to submit your bank statements is via open banking.  Once you have submitted your loan application you will automatically be directed to our open banking page which will take you through the simple process.

Alternatively you can download PDF statements from your online banking and email them to us at loans@wccu.co.uk

Members who do not have online banking can, as always, post or drop off paper statements at our Chester or Ellesmere Port offices.

Universal Credit Statement/Wage Slips/Identity Documents where applicable

You can send a copy or screenshot of your UC statemet/wage slips/identity documents to us by email at loans@wccu.co.uk

Alternatively you can post or drop off paper versions at either our Chester or Ellesmere Port offices.

Applications cannot be passed to our loans officers and processed until the above supporting documents are received. If supporting documents are not submitted within 14 days your application will be cancelled and you will need to reapply should you wish to proceed.