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Our £600 Family Loan Plus is a brand new loan designed to meet the needs of families in Blackpool, Fylde, Wyre, Preston and Lancaster.

You may wish to use a loan to spread the cost of a larger expense such as a family holiday, or to help cover the cost of an unexpected bill. You can use the loan to pay for the school holiday expenses, car repairs, or even to replace a household appliance.

The application is an easy online process, open to both existing members of CLEVR Money and non-members.

If you are not already a member, you'll apply for membership as part of your loan application.

The Family Loan Plus can be paid back via direct debit, standing order or using a benefit such as Child Benefit.

If you want to have a chat about our loans before applying, give our lending team a call on 01253 478390.

Part of our mission is to promote sound financial management, with the aim of improving the financial health of our members.

We require that all members save a minimum of £10 per month, so that as the loan is paid off you accumulate savings.

How much you may be able to borrow

I’d like to borrow over a period of months
Monthly repayment£100.84*
Total repayment£2,016.80

*Representative example.

Borrowing £1,500.00 over 20 months will cost £100.84/month. Total amount repayable is £2,016.80 which includes interest at 42.6% APR.

The figures given above are for illustrative purposes only. The actual interest rates and repayment amounts may vary subject to loan amount and status.

In order to apply for a Family Loan Plus you must:

  • Live or work within our Common Bond area
  • Be at least 18 years old

You must not:

  • Be bankrupt, in a DRO or IVA
  • Have had any outstanding CCJs within the last 24 months
  • Have missed any repayments on credit within the last 6 months
  • Have had any defaults within the last 12 months
  • Have arrears on a credit union loan
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