Borrow money with flexibility

Flex is a straightforward way for you to manage your expenses.

If you’ve ever had an overdraft, you’ll understand exactly how to use Flex. It’s a ‘revolving credit’. This means you can borrow it, spend it, repay it, and spend it again, without having to reapply. The amount you can borrow depends on your salary, and how much you can afford to repay. The repayments are the same every month, so you’ll always know what to expect.

Salary band guide	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.

Loan amount

£500 - £1,500

Interest rate

20.9% APR

Loans are subject to status.

Representative example

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.

Repayment period

11 months.

There are no fees if you pay your loan off early.

To apply for a loan, you need to meet the following four criteria:

You have to be aged 18 or over
You have to live or work in Bristol, Bath, Gloucestershire, Wiltshire, Somerset, and Dorset
You have to have a regular income over £450 per month
You have to have enough disposable income to meet the loan repayments

Personal mobile phone number

We need this so we can contact you easily.

Personal email address

This is important so we can send your loan documents to you.

Your national insurance number

This is to prove your identity.

How to find your national insurance number.

Evidence of your income

We use Open Banking to securely confirm your income, so there’s no need to provide bank statements or payslips.

Your bank details

We need these so we can set up your loan repayment.

Not sure if you have this information?

Get in touch

Access credit when you need it

Check eligibility

Who can apply for a salary deduction flex account?

You can apply for a Flex account if your employer is one of our listed employer partners. If they are not listed, you can apply for one of our other available loans.

How often can I borrow from my flex account?

You can borrow as often as needed, provided you stay within your approved credit limit.

To request a withdrawal, simply log into the Member Portal, and we’ll transfer the funds to your bank account the same day, just submit your request before 2PM for same-day processing

Can I apply for a salary deduction flex account if I have an existing loan?

Yes, you can apply for a Flex account even if you already have a loan with us. To qualify, you must be up to date with your existing loan repayments, and the Flex account must be affordable for you.

How often will I make repayments to my flex account?

Your repayment frequency will align with how often your employer sends payments from your salary to us.

On each repayment date, you must make at least the minimum repayment amount, unless your account balance is lower than the minimum. In this case, you’ll need to pay the full balance.

Can I make extra payments to my flex account?

Yes, you can overpay at any time or pay off your loan in full without any additional charges.

Simply log in to the online member portal to manage extra payments or complete your repayment early.