Saver Loan Application

Please note that you must already be a member of West Cheshire Credit Union and be saving for a minimum of 8 weeks prior to be eligible to apply for a Saver Loan.  If you wish to become a member please contact one of our offices for further information.

You can use this form to apply for a loan up to a maximum of 4 times the amount of savings you hold in your Credit Union Account.  If you are reliant on benefits as your only source of income the maximum application that will be considered is £500.

Please note

Your last 2 months bank statements must also be submitted for your application to be considered.

You can attach your statements at the end of this application or alternatively you can email them to info@wccu.co.uk.  You may be asked to provide additional information for us to be able to reach a decision on your application.

YOUR PERSONAL DETAILS

Surname

Forename

Email Address

Address

Postcode

Time at current Address
Years
Months
Contact Telephone Number *Required
Alternative Contact number *Required
Previous Address (if less than 3yrs at current)

Residential Status
Name of Housing Association if applicable

DEPENDANTS

How many dependent children under 16 live at your address?

Date of Birth for youngest child

EMPLOYMENT DETAILS

Employment Status
If employed is that
Employer
Employers Tel. No.
Job Title/Position
Length of time with current employer (to nearest year)
Employee status

LOAN DETAILS
.
Amount Requested
Purpose of Loan
Term
Repayment Frequency
Repayment Method

HOUSEHOLD FINANCES

Are you in arrears with your Rent, Council Tax, Utilities or Mortgage?

Have you missed any payments to creditors in the last 12 months?

Are you currently or have you ever been subject to any of the following? (or are you in the process of applying for)

Bankruptcy

Debt Relief Order

Individual Voluntary Arrangement

Debt Management Plan

County Court Judgement

If you have answered yes to any of the above please give further details

INCOME

Net Take home Pay £
Frequency

Child Benefit
Frequency

Tax Credits
Frequency

Job Seekers Allowance Fortnightly

Universal Credit Monthly

Maintenance/CSA
Frequency

Housing Benefit
Frequency

OTHER BENEFITS
1. Description Amount
Frequency

2. Description Amount
Frequency

3. Description Amount
Frequency

4. Description Amount
Frequency

EXPENDITURE

Rent/Mortgage £ Monthly
Council Tax £ Monthly
Gas/Electric £ Monthly
Water £ Monthly
Phone/Mobile £Monthly
Satellite/Cable/Internet £ Monthly
TV Licence £ Monthly
Food/Toiletries £ Monthly
Childcare Costs £Monthly
Travel/Vehicle Expenses £ Monthly

OTHER EXPENSES

1. Description Amount Frequency
2. Description Amount Frequency
3. Description Amount Frequency

EXISTING CREDIT REPAYMENTS

Bank Loans £ Monthly
Payday Loans £ Weekly OR £ Monthly
Provident Loans £ Weekly OR £ Monthly
Hire Purchase £ Monthly
Credit/Store Cards £ Monthly
Brighthouse £ Weekly OR £ Monthly

DECLARATION

Please confirm that you have read and understood each of the following statements;

Data Protection Statement:
In accordance with the principles of the Data Protection Act 1998, we only use your data for the purposes of managing your account with the West Cheshire Credit Union. Your personal details will be treated in strictest confidence and will only be shared with other agencies for the purposes of credit referencing and debt recovery, for which purpose we hold a category F consumer licence.

I declare that the information I have provided on this form is true and accurate for the purposes of me obtaining a loan.

I/we agree to any appropriate credit checks and information vetting being undertaken to assist the West Cheshire Credit Union reach an informed decision regarding this application and understand that this may include employment checks and searches of credit reference agencies.

I declare I am in good health and I know of no good reason why I would be unable to carry out my usual work or why my benefits or other income may change during the term of the loan.

If I have not attached my last 2 months bank statements below I will submit them by post or email to info@wccu.co.uk and understand that my application will not be considered until these have been received.

You can attach your bank statements here