Loan Application

Step 1 of 5 - Your Loan

Before you complete the Online Loan Application Form, please read the following information:
1. Please ensure that you are a member of Celtic Credit Union before you apply, and are eligible to apply for a loan with us.
2. Leave a minimum balance in your Share 1 savings account of £26 if you are applying for total borrowing under £2000. This will be used to cover a contribution and savings commitment.
3. If your total borrowing exceeds £2000 then a minimum balance of £40 is required in your Share 1 account, this will be used to cover a contribution and credit check.
4. Depending on your reason for the loan application, you may also need to provide proof of purpose.
5. Provide bank statements for the last 3 months and supporting documentation for proof of income (payslips, benefit letter etc.)
6. Please provide payslips relevant in the last 3 months (if applicable) as proof of income with the loan application.
7. All loan applications are subject to a £5 Credit Check
I understand that Celtic Credit Union will process my data in accordance with my rights under the Data Protection Act 1998.
Do you agree to this disclaimer?*
- Yes, I agree
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How much would you like to borrow?*
Please enter the amount of the loan you require in £
How would you like to pay back the loan?*
Please add the type of repayment method you would like to use
How often would you prefer to Pay?*
Please add a preferred time of payments per month
What is the purpose of the loan?
Example - Home Improvements, holiday etc
How long would you like this loan for?*
Please select how long you would like the loan over
Do you wish to clear your existing loan(s)?
How much do you pledge to save?
The pledge to save funds are only available from the 1st week of November to the end of December each year.
How often would you like to save?
- per week
- per fortnight
- per month
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If your loan is approved, how would you want this paid to you?*
Please add how you would like us to pay you the loan, if this is into your bank account you will need to add the relevant information. ie Sort Code, Account Number etc
Account Name
Sort Code
Account Number
Cheque Payable To
Please add the name that of the person that the cheque is payable to.
Membership Number*
Please enter your Credit Union account details
Membership Name*

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Title
Please enter your title, eg Mr, Mrs
First Name*
Please enter your first name
Middle Name
If you have a middle name please enter it here
Surname*
Please enter your last name here
Date of Birth
Date Format: DD slash MM slash YYYY

Please enter your date of birth - Day,Month,Year
Prefered Contact*
- Email
- Telephone
- Mobile
Please select your preferred contact method.
Email Address

Please enter a valid email address, if you do not have one please enter [email protected]
Home Telephone
Please enter your full telephone number with area code
Mobile Telephone Number
If you do not own a mobile phone please enter 000
Membership Number
This is your Credit Union Membership number
NI Number*
This will be on your payslip, P45 or tax office
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Household Status*
Please state whether your property is owned or rented? If your property is rented please state your landlord.
Landlord
Your Address*
Street Address Address Line 2 City County / State / Region ZIP / Postal Code Country

Please add where you are living at present, if you have been at the address for less than 6 months please complete the other sections.
Number of Dependants*
This includes anyone living on the household income
How long have you lived at this address*
Previous Address
Street Address Address Line 2 City County / State / Region ZIP / Postal Code Country

Employment Status*
Please add all employment information, if applicable.
Occupation*
Employers Name
Employers Address
Street Address Address Line 2 City County / State / Region ZIP / Postal Code Country
Time in Employment
Please add the duration in years
Income from your employment
When do you receive your wages
- per week
- per fortnight
- per month
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Please state what type of benefits you receive.

Please add your monthly benefits in pounds(£), if you do not receive benefits for all section please leave them blank.

Note - (If you receive weekly benefits then multiply the amount by 4 to get a monthly figure, if you receive fortnighly benefits then multiply the amount by 2)

If you are in receipt of Universal Credit, you will need to provide your Universal Credit Breakdown that explains which benefits are included in your payment, failure to provide this information may result in your application being delayed.
Carers Allowance
Child Benefit
Child Tax Credits
Council Tax Benefit
Disability Living Allowance excluding Mobility Element
Disability Living Allowance including Mobility Element
Employment Support Allowance (ESA)
Housing Benefit
Income Support
Job Seekers Allowance
Pension Credit
Working Tax Credit
Universal Credit
Total Monthly Income from Benefits
Please ensure that your entries are per month and are the correct amount before continuing.
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Send us proof of your Income

To ensure that your loan application is prompt please scan and send us any relevant information, ie Payslip, Bank Statement, etc.
Would you like to send us your documents?
- Yes
- No
This may speed up your loan application, we allow jpg, png or pdf documents. If you choose 'Yes' Please upload 1 or 2 documents.
Document 1
Accepted file types: jpg, png, pdf, doc, docx, gif.
Scan and upload your files here, this may speed up your loan application, we only allow jpg, png or pdf documents.
Document 2
Accepted file types: jpg, png, pdf, doc, docx, gif.
Scan and upload your files here, this may speed up your loan application, we only allow jpg, png or pdf documents.
Document 3
Accepted file types: jpg, png, pdf, doc, docx, gif.
Scan and upload your files here, this may speed up your loan application, we only allow jpg, png or pdf documents.

You MUST complete as much accurate information as possible, making sure to enter information for EVERYTHING you pay for during the month.
Rent
Mortgage
Council Tax
Water Rates
Utility Bills (Gas, Electricity etc.)
TV License
Groceries
Cleaning Products / Toiletries
Broadband
Mobile Phone 1
Mobile Phone 2
TV Fees (Sky, Virgin, BT etc.)
Fuel Costs (Petrol / Diesel)
Car Maintenance
Car Insurance
Travel Costs (Bus Fares etc.)
Home Insurance
Life Insurance
Savings / Pensions
Child Care/Maintenance Fees
Fines
Charitable Donations
Club / Membership Fees
Clothing
Social
Tobacco
Recreational Activities
School Dinners
Other
Please add all other expenditures you have.
Total Monthly Expenditure
Please ensure that your entries are per month and are the correct amount before continuing.
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Credit Agreement(s) Expenditure

This section applies to any outstanding borrowing that you are repaying every month. False or misleading information provided here, has the potential for your application to be delayed or outright refused. Please take care to make sure ALL necessary sections are completed.
Loan/Lending Agreements
Bank Personal Loan
Balance of Bank Personal Loan left to repay
Perfect Home
Balance of Perfect Home Loan left to repay
Valley Finance
Balance of Valley Finance Loan left to repay
Family Finance
Balance of Family Finance Loan left to repay
Loans @ Home
Balance of Loans @ Home debt left to repay
Brighthouse
Balance of Brighthouse debt left to repay
Credit Union Loans
Balance of Credit Union Loans left to repay
Money Shop
Balance of Money Shop Loan left to repay
J R Naylor
Balance of J R Naylor finance left to repay
Other Lenders
Balance of loan from other lender left to repay
Other Lenders 2
Balance of loan from other lender left to repay
Debt Recovery
High Court Enforcement
Total of High Court Enforcement debt left to pay
Andrew James
Total of Andrew James debt left to pay
Moorcroft
Total of Moorcroft debt left to pay
Cabot
Total of Cabot debt left to pay
Orbit
Total of Orbit debt left to pay
Lowell
Total of Lowell debt left to pay
Allied International
Total of Allied International debt left to pay
Other Debt Collectors
Total of debt to other debt collectors left to pay
Other Creditors
Outstanding debt to other creditor left to pay
Other Creditors 2
Outstanding debt to other creditor left to pay
Total Monthly Credit Expenditure
Please ensure that your entries are per month and are the correct amount before continuing.
Grand Total Monthly Expenditure
This is your grand total of expenditure each month.

Start your loan application

Step 1 of 5 - Your Loan

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Declaration:

Credit Referencing & Fraud Prevention Agencies Declaration

Data Protection Statement

Celtic Credit Union