Borrow at a fixed rate and see every figure first.

Apply for a loan from online banking. You see every figure before you send the application, and we tell you the decision as soon as our team makes it.

Loans How to apply
A smiling couple holding up the keys to their new home

Every loan has a fixed rate and the same payment each month.

Your rate is fixed when your loan is approved, so the payment never changes. Try the calculator to see what a loan would cost you at today's rate.

$1,000$50,000
Over how many months?
Your monthly payment $0.00
Number of payments
24
Total interest
$0.00
Total you repay
$0.00

This estimate uses our rate today. We confirm the amount, rate and term when we approve your application, and you can repay early at no extra cost.

Open an account to apply

What you can borrow for

Personal, car, home improvement, education, business, medical, or anything else you tell us about.

What we ask for

The amount, the term, what the loan is for, your employment status and your monthly income. That is the whole form.

Repay early for free

Pay any amount from your account whenever you like, up to what you owe. There is never a fee for paying a loan off early.

A café owner standing in her doorway holding a sign that says yes, we are open

Small businesses can borrow on the same terms as everyone else.

Choose Business as the purpose of your loan, whether it pays for new equipment, stock for a busy season or a fresh coat of paint for the shop front. The rate and the terms are the same as for any other loan.

  • Paid into the account you chooseOnce approved, the money goes into the account you picked on the form.
  • A decision you can seeWe tell you the amount, rate and term we approved, along with your monthly payment.
Open an account to apply

Applying takes three steps, all in online banking.

Sign in or open an account

Applications are made from online banking, so you need an account with us first. Opening one takes a few minutes.

Fill in the short form

Go to Loans, choose the account that should receive the money, and send the form.

Hear back from us

We send you a notification and an email with the decision. If we cannot approve your application, we tell you why.

You can have one application of each kind waiting for review at a time. Your profile needs to be in good standing to apply.

You can start your application whenever you are ready.

Open an account online, then apply from the Loans page in online banking.

Open an account Sign in

Here is how we look after every account.

Two checks at every sign inYour password first, then a 6-digit PIN that only you know.
Your PIN on every paymentMoney only leaves your account once you confirm it with your 4-digit PIN.
An alert for every changeWe tell you in online banking and by email whenever something changes.
A real person behind every replyWhen you write to us, a member of our team answers you in writing.