Our interest rates are low, with no hidden charges

Standard Loan

Available for new and existing members

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Family Loan

Available for members receiving Child Benefit

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Guaranteed Loan

Available for members with a guarantor

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Payroll Loan

Available to employees of our payroll partners

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Our Loans

You must be 18 or over to apply for a loan with Wyvern Savings and Loans.

All loan applicants are credit checked to help us make our decision. This is not automated, or based solely on the credit check. Our loan officers look at all the information provided to ensure we make the right decision for you.

Loans are made according to your ability to repay. Even if you have an active County Court Judgement (CCJ), or are in a debt management plan, we can lend up to £800.

We offer flexible loan repayments, usually over two years. This can vary depending on your circumstances.

You will be asked to save whilst you make repayments. Any savings may help you towards a cheaper saver loan in the future.

If you already have a loan with Wyvern you can apply for a ‘top up’ loan.

Standard Loan

Available to new and existing members

You can apply for a loan of £100 to £7,500. Flexible repayments. No savings required.

Family Loan

Available to members who receive Child Benefit

You can apply for a loan of up to £500 if you receive Child Benefit for one child, or up to £1000 if you receive Child Benefit for two or more children. You have your Child Benefit paid directly into your Wyvern Savings and Loans Account.

Saver Loan

A reduced interest rate, for members who have savings

You can apply for a loan of £100 to £7,500. Flexible repayments. Suitable for members who have built up savings. You must have a third of the amount you want to borrow in your credit union savings account.

Guaranteed Loan

Our lowest interest rate. Ideal for someone wishing to build up their credit rating or help a friend or family member

You can apply for a loan of £500 to £7,500. Flexible repayments. You need a guarantor for the amount borrowed. They must be a member and the amount borrowed will be held in an Attached Share account as security against the loan.

Payroll Loan

Attractive low interest rate loans available to employees of our Payroll Partners

You can apply for a loan of £500 to £7,500. Flexible repayments. Attractive low interest rates.  You must be an employee of one of our Payroll Partners.

Fisheries Loan

Available to EMFF applicants

Available to EMFF applicants. Fisheries Loans are available from £100 to £7,500, and interest is 1.5% per month on the reducing balance (19.6% APR).

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