Loan Application - Celtic Credit Union

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 £25 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. All loan applications are subject to a £15 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

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
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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.
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
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 maybe 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 maybe speed up your loan application, we only allow jpg, png or pdf documents.

Please add as much accurate information as possible this will enable us to speed up the loan application, please skip that parts that don't apply to you.
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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Monthly Credit Agreement Expenditure

This section applies to any outstanding borrowing that you are paying per month, please skip that parts that don't apply to you.
Personal Loan 1
Personal Loan 2
Doorstep Lenders
Payday Lenders
Buy as you view (Brighthouse etc.)
Store Card/Credit 1
Store Card/Credit 2
Catalogue / Mail Order Credit 1
Catalogue / Mail Order Credit 2
Car Finance
Home Credit
Social Fund
Other Expenditures not listed
Please add all other expenditures and enter here
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.

Have you missed/been late with any repayments in the last 6 months?*
- Yes
- No
Do you have any CCJ's, Charging Orders or Default Notices registered against you?*
- Yes
- No
Are you currently under a debt management plan?*
- Yes
- No
Have you ever been declared bankrupt or the subject of an IVA?*
- Yes
- No
If you have answered YES to any of the above please provide futher information here
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Additional Information
Please enter additional information that will support your loan application. If you do not wish to state anything then please enter N/A
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Declaration:
I declare that I have read and understood the information in the loan application - guidance notes and on this form. I also declare that the information that I have given on this form, to the best of my knowledge and belief, is accurate and complete and i agree to notify the credit union if any of the information changes before my loan is assessed. I do not have reason to believe that my personal or financial circumstances will change during the loan term.

I understand i have a responsibility to make all my loan payments on time and in full, and i promise to do so. I understand that the provision of false information is fraud and that the Credit Union may take appropriate action if I am found to have deliberately provided false or misleading information. I understand that my application is subject to approval.
Credit Referencing & Fraud Prevention Agencies Declaration
We may make searches about you at credit reference agencies who will supply us with credit information as well as information from the Electoral Register. The agencies will record details of any search whether or not this application progresses. Credit searches and other information, which is provided to us and/or the credit reference agencies about you and anyone with whom you are linked financially, may be used by us in our credit decisions.
Data Protection Statement
In accordance with the principles of the Data Protection Act 1998 and GDPR May 2018, we will use your personal details for the purpose of managing your accounts with Celtic Credit Union. Your personal details will be treated confidentially and will only be shared with other agencies for the purposes of credit referencing and debt recovery, for which purposes we hold a Consumer Credit License.
I declare to the best of my knowledge and belief that*
and I am*
I have read the terms and conditions*
- Yes I have read these

Start your loan application

Step 1 of 5 - Your Loan

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Declaration:

Credit Referencing & Fraud Prevention Agencies Declaration

Data Protection Statement