Money for the last things you wanted to happen, from £100 to £15,000.


The benefits of borrowing with Circle Housing Money

As a credit union, we offer fair interest rates so our repayment charges are much lower than most payday loan providers. Even better, our interest is calculated on a daily basis so as you pay back the money, the extra you have to pay goes down too. And there's no extra charge if you decide to pay us back earlier than expected. This is different to how most payday loans providers work.

And, because we care about our members, the amount you can borrow will be based on how much you can afford to repay, from £100 to £15,000.

You can choose how long you want to take to repay the loan - from just one week up to ten years, depending on the amount borrowed. And you can pay the money back by Benefit Direct, through payroll deduction from your employer, or through a bank or building society account if you have one.

Circle Housing Money also gives you the option to save money into your account while you're paying back what you've borrowed, so you won't get caught short in the future.

Before you apply, click here to read our top Tips when applying for a loan.

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Who can borrow money

You need to be a member of Circle Housing Money to apply for a loan, but we’ve made things simple by adding membership information to the loan application form. So, whether you’re already a member or not, simply click here to fill out an online form or call us on 0800 902 0021 (now free from landlines or mobiles) to apply for a loan.

If you’ve borrowed money from us or anybody else in the last three months please give us a call on 0800 902 0021 (now free from landlines or mobiles) before filling out a loan application form.

Read through our full terms and conditions here.

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Not everything is simple and predictable. If the car breaks down or the washing machine needs fixing, you might need cash right now when pay day’s some way off. If that’s the case, don’t get stung with higher repayment charges from payday loan providers. Borrowing with Circle Housing Money could cost you much less overall.

Click here to read our top tips when applying for a loan.

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Call: 0800 902 0021

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