How to apply

To apply for any of our loans you must meet our lending criteria

You can apply online today by clicking on the relevant links below.



Handiloan

Borrow £250 - £999*
2.75% per month 38.5% APR

Representative example:
Borrow £500
51 weekly payments of £11.32
Final repayment £11.27
Total repaid £588.59

  • Must have income of more than £125 per week
  • Available to people with a limited credit history
  • Can be repaid over a maximum of 24 months
  • Decision and money within 24 - 48 hours
Everyday Loan

Borrow £1,000 - £4,999*
1.17% per month 14.9% APR

Representative example:
Borrow £3,000
35 monthly payments of £102.54

Final repayment £102.22
Total repaid £3,691.12

  • Must have income of more than £16,000 per annum
  • Available to people with a fair credit history (no more than 2 missed payments in the last 12 months)
  • Existing debts less than £10,000 (excluding mortgage/rent)
  • Can be repaid over a maximum of 60 months
Diamond Loan

Borrow up to £10000

Borrow £5,000 - £10,000*
0.82% per month 10.4% APR

Representative example:
Borrow £6,000
47 monthly payments of £
151.89
Final repayment £151.74
Total repaid £7,290.57

  • Must have income of more than £25,000 per annum
  • Must be a home owner
  • Available to people with an exemplary credit history (no missed payments or defaults in the last 12 months)
  • Existing debts less than £15,000
  • Can be repaid over a maximum of 60 months

Please contact us if you have any problems downloading the Handiloan form or applying online for an Everyday or Diamond loan.

Interest is calculated daily on the declining balance of the loan.

Please remember that in support of any loan application submitted we require two months recent bank statements and two months payslips. These can be sent via email to castle.crystal@dudley.gov.uk or via post to our office; 25 New Street, Dudley, West Midlands, DY1 1LT.