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Affordable Borrowing, Tailored to You

Get a fair, flexible loan with competitive rates and no hidden fees.

Helping You Borrow Better

Whether you’re planning for something special or managing unexpected costs, Northern Community Bank loans are built around you. With over £168 million in loans provided to the community over the past 40 years, we’re proud to offer ethical and affordable borrowing. You don’t need to be an existing saver or account holder to apply.

Why Choose a Loan with Us?

  • Competitive interest rates between 12.7% APR – 42.6% APR on the reducing balance
  • Loans from £150 to £15,000
  • No setup fees, no late payment penalties and no early settlement charges
  • Decisions made by people, not computers
  • Free life insurance on loans (subject to terms and conditions)
  • Top-up loans available, even if you already have a loan
  • Savings build alongside your loan, acting as security and creating good saving habits

Who Can Apply?

To apply for a loan at Northern Community Bank, you must:

Be aged 18 or over

This ensures the borrower has the legal capacity to take on the responsibility of repaying the loan.

Live or work in one of the following areas:

Burnley, Pendle, South Craven, Ribble Valley, Rossendale, Hyndburn, Blackburn with Darwen, Preston, Lancaster or anywhere in Cumbria.

Be employed by or receive housing services from:

The Together Group, Calico Group, Accent Group or Your Housing Group

Please note:

We cannot lend to anyone in an Individual Voluntary Arrangement (IVA), Debt Relief Order (DRO) or Bankruptcy, this will be checked on application.

Flexible Loans, Designed for You

Find the affordable loan you’ve been searching for. Northern Community Bank offers competitive rates and repayments built with you in mind.

Loan Calculator

Find a loan to suit you

I want to borrow

£

For This Long

Months

Summary

Illustrated APR
Monthly Payment £
Total Repayable £

FREE life insurance on savings and loans*, so in the event of your untimely death your loan would be paid off.

Loan decisions made by people not computers

Flexible Ways to Repay

Choose a repayment method that fits your lifestyle:

  • Standing order
  • Card payment
  • Direct benefit payments (e.g. Child Benefit, Universal Credit)
  • Payroll deduction (if we partner with your employer)

Build Savings While You Borrow

With our loans, we ask you to save into a Long-term savings account while you’re paying back your loan.

This amount is set aside and can’t be withdrawn until your loan is fully repaid – or your savings are more than what you still owe, in which case you can take out the extra. It’s a smart way to prepare for the future while managing everyday needs.

£500 Family Loan & Saving Scheme

Looking for a quick, affordable loan without a credit check?

Our popular £500 Family Loan lets you use your Child Benefit to make repayments. After a quick affordability assessment, funds could be available in no time.

Find Out More

What If We Can’t Lend To You?

Even if we can’t offer you a loan, you're still welcome to save with us. For free, confidential debt advice, you may find support through:

Citizens Advice StepChange Debt Charity

Apply for a Loan Today

Apply online today with no hidden fees and repayments tailored to you. Affordable, flexible, and always focused on your financial wellbeing.

Apply Now