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  • Borrow between £1,000 – £15,000, up to 4 times your savings
  • Preferential interest rate of 9.4% p.a. (9.9% APR), rewarding you for saving
  • Maximum loan term 6 years
  • 2 or more years’ RetailCURe membership required
  • Affordable repayments tailored to suit your budget
  • 25% of the original loan value must be kept in Savings Account as security & cannot be withdrawn
  • Quick & easy online application
  • Use our Loan Calculator to see how much a Gold Loan might cost
  • No application fees or hidden charges
  • No penalties for early repayments & you’ll save interest too
  • Affordable loan repayments straight from your pay if you work for one of our Payroll Partners, or alternatively by direct debit
  • Convenient weekly or monthly repayment, tailored to suit your budget
  • Savings continue to attract dividend payments* whilst repaying your loan

    *Dividend dependent on company performance and agreed by Board and members at the AGM.

Free Loan Protection Insurance: As a Member of Voyager Alliance Credit Union your loan is protected in the event of your death1 – helping protect your family from the financial burden of bereavement. This is offered to all members up to the age of 69.

When you take out a loan with us you also get Loan Protection. If you were to die before your Credit Union loan is repaid, this protection can help towards settling the debt, so that it isn’t passed on to your loved ones.

Of course, it won’t take away the pain but it’ll certainly help with the financial strain of bereavement. This benefit is included at no extra cost to you as part of your Credit Union loan arrangement2 so just for once, peace of mind doesn’t cost the earth; it’s just another benefit of being a Credit Union member.

As a Credit Union member, you’re not only borrowing for the things you desire to make life more comfortable for you and your family; by choosing your Credit Union to borrow from, you’re helping your Credit Union provide better value loans for all Credit Union members. With the added peace of mind provided by Loan Protection, loans from your Credit Union can offer better financial security for you and your family.

1Subject to terms and conditions. Cover limits vary and certain restrictions apply based on age and cover.

2Please ask at your Credit Union for more details about the individual limits and restrictions of Loan Protection. For full terms and conditions or more information about the policy, please click here or for a summary please click here.

Life Insurance on loan balances does not cover members over the age of 69.

Members must keep 25% of the original loan value in their savings account as security. This amount cannot be withdrawn until the outstanding loan balance is less than the amount held in the Regular Shares account.

After repaying 25% of the original loan value for loans above £10,000 or 10% of the original loan value for loans under £10,000, members can apply to top up the loan. Lump sum repayments do not count towards the 10% or 25%.

Paying ‘lump sums’ into a savings account to qualify for a Gold Loan is not permitted. Instead regular weekly or monthly savings are required. However, transferring regular savings from another savings account may be considered, on an individual basis.

The Gold Loan is not available to members who are bankrupt or have an Individual Voluntary Arrangement (IVA) that shows on their credit report.

Other terms and conditions may apply.

Data protection statement

In accordance with the principles of the Data Protection Act 1998, we will use your personal details for the purposes of managing your accounts with Voyager Alliance Credit Union.

Under the Distance Marketing Directive, you have the right to cancel your savings account within 14 days of opening without incurring financial or other penalty.

Voyager Alliance Credit Union use Experian as our credit reference agency, and the ways in which they use and share personal information is explained in more detail via the Credit Reference Agency Information Notice (CRAIN) document which can be accessed via any of the following link:

http://www.experian.co.uk/crain/index.html


Want to apply for this great new loan?

Gold Loan Application Check List

  1. Have you been a member of RetailCURe Credit Union for 2 or more years?
  2. Do you have at least £250 of savings in your Membership account?  Remember you can borrow up to 4 times your savings.
  3. Do you have details of your monthly income and expenditure to hand, to complete the loan application form? Your recent bank statement is ideal.
  4. Do you have a copy of your most recent payslip to hand, to upload with your application? 

If you can answer 'yes' to all 4 questions, its time to apply so click the button below now!

Use our new Loan Calculator to see how much a Gold Loan might cost and how it would suit your budget.
Apply now for a Gold Loan