Flex@Work provides fairer rates and easier management compared to credit cards or overdrafts, with credit limits ranging from £500-£1,500 based on income.
Check your eligibility
Check your employer is one of our Money@Work partners. You must be 18+ to open an account with us.
Have your documents ready
To apply for a credit limit with Flex@Work, you will need an email address, mobile number, NI number, and proof of ID and your pay number (you can find this on your payslip.)
If you are unable to provide these during your application, you can save it at any time and contact GWCU for support.
Complete your application
It takes around 15 minutes to complete your application. Our Lending Team will review and get back to you with a decision, or any further requests for information. You can save your application at any time and come back to it later.
Approval & repayments
If your loan is approved, we will organise repayments automatically with your employer. No hassle for you and no personal financial information shared with your employer.
Our Flex@Work account is available for employees of our Money@Work partners.
With credit limits between £500-£1,500 depending on income, Flex@Work offers fairer rates and can be easier to manage than a credit card or overdraft. Repayments are fixed, so you know exactly where you stand, and come directly from your salary so you never miss a payment.
If approved, you’ll have a credit limit attached to your Flex@Work account to start using straight away. Draw down as often as you need within the agreed limit, without having to reapply.
Key details
Salary band Limit
£5,000 - £17,500 £500
£17,500 - £25,000 £1,000
£25,000 + £1,500
The salary bands are a guide, and the actual limit approved (if any) will be subject to the payments being affordable.
Representative APR
If you borrow £500 when your account is set up and don’t borrow again from your limit then you will repay £50 per month for 10 months and then £49.13 in the final (11th) month. Total amount payable is £549.13, which includes interest of £49.13. Interest is fixed at 19.17%, 20.9% APR Representative.
