Next Step Flexible Loan

Whether you need a loan for a new baby, home improvements or a new car, Ayrshire Credit Union is here to help. Our loan options are affordable and flexible, tailored to your circumstances. We’ll never offer you something you can’t afford, and we also offer free Loan Protection Insurance.

Our lowest Interest rate at 12.7% APR, with a 36 month Loan Term. You’ll enjoy a 2 month payment holiday every year. Choose between June/July or December/January. No hidden fees or early repayment penalties. A Credit Check will be undertaken and detailed income and expenditure gathered. In addition you may need to provide extra information i.e the last 2 months payslips or award letter dated within the last 3 months and last 2 months bank statements.

  • I am over 18
  • I am a Member of Ayrshire Credit Union
  • I am looking to borrow £3,000
  • I am looking to borrow over 36 months
  • I do not have an undischarged Bankruptcy or Trust Deed
  • I can provide proof of income