Members with little in savings are not excluded from borrowing money and can apply for an Optimum Loan of up to £10,000. Unlike the Multiplier Loan, you do not need to have much in your savings to be able to apply for an Optimum Loan or if you would like to borrow more than 4 x your membership savings, then the Optimum Loan can provide the answer.

You can protect your savings whilst still taking out money with our Savings Secured Loan. Simply choose an amount you wish to take out on loan from the available balance held in your Membership Account. Secure this amount in your Membership Savings until your loan is cleared.