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Just what does Leeds Credit Union offer?


Just what does Leeds Credit Union offer?

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What exactly is a Credit Union?

A Credit Union is a Financial Co-Operative which typically provides simple services that are financial as loans and cost cost savings. A Credit Union can also be a organisation that is mutual means there are not any investors therefore it is owned and run by its users. You can find Credit Unions all around the globe and Leeds Credit Union is among the biggest Credit Unions in the united kingdom.

Who is able to join Leeds Credit Union?

Every Credit Union includes a bond’ that is‘common is often a place that a particular Credit Union operates in. Leeds Credit Union is available to anybody who lives or works in Leeds, Wakefield, Harrogate or Craven. We also provide a true wide range of partnerships with different organizations all over British which means that employees or housing residents of these associations have the ability to join too; wherever they reside.

To see a summary of who can join click the link

By joining Leeds Credit Union, you feel a known member, with usage of each of Leeds Credit Unions services and products. This consists of instant access cost savings records and access to affordable credit, children’s cost cost savings reports, bill paying / budgeting records, and much more.

In the event that you join via your employers Payroll Deduction Scheme, you’ll save your self right from your wage with all management managed in the middle of your manager and Leeds Credit Union, leaving you straight forward, safe into the knowledge your cost savings are gathering.

To check on in case your employer that is current is board, Follow this link

Just how do I deposit into my Leeds Credit Union account?

Deposits may be produced in the ways that are following

  • Direct Debit
  • Standing Purchase
  • Payroll Deduction
  • One off bank transfers
  • Money or Cheque in a branch

To request a Direct Debit form, view here (connect to contact page requesting DD type)

For Standing instructions plus one off bank transfers, utilize the details that are following

Type Code: 20-32-48

Account Quantity: 23677117

*You additionally needs to quote your account quantity as the guide- failure to quote this guide may end up in your funds being delayed and you might be asked to supply proof of payment*

Just how do I withdraw from my Leeds Credit Union account?

You should use our online banking solution to move and withdraw funds to an outside banking account. Withdrawals are designed by Faster Payment which means that your funds will show up in your money within hours. We usually do not process withdrawals on weekends or bank holiday breaks.

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You can make withdrawals at one of our branches if you live in Leeds or Wakefield.

Does it price any such thing to become listed on Leeds Credit Union?

No, saving and joining is completely COMPLIMENTARY. It really is your decision just how much you determine to conserve and there aren’t any hidden fees.

To see a duplicate of y our conditions and terms, Follow this link

Just how do I join?

The fastest and way that is easiest to utilize would be to apply through the internet site. The proper execution is easy; we simply need to understand who you really are, your geographical area and just how you intend to conserve.

View here to complete your Membership Application ON THE WEB.

Instead it is possible to request a paper form right right here

If you reside in Leeds or Wakefield, you can easily join at certainly one of our branches. Click the link to get a branch.

What documents am I going to have to offer to participate?

Nothing! Into the instance that is first we’ll execute a digital identification check however in some rare cases, we might contact you for further identification. This may ordinarily be via page or sometimes, we may contact you by telephone for rate of solution.

We will normally ask to see a copy of your current passport complete with proof of entry clearance if you were born in a Non EU country. That is completely normal and kinds a routine section of our identification process that is checking.

How do I submit an application for that loan with Leeds Credit Union?

The fastest and way that is easiest to utilize would be to use through the web site. The proper execution is easy; we simply need to understand who you really are, exactly what your circumstances are and exactly how much you intend to borrow.

Click on this link to complete your Membership Application ON LINE.

Instead you are able to request a paper form right right here

You can join at one of our branches if you live in Leeds or Wakefield. Click on this link to locate a branch.

What’s the APR on a Leeds Credit Union loan?

The interest rates on Leeds Credit Union loans start at 3.9per cent APR and get as much as 42.6per cent APR. All Credit Unions are capped for a price or 42.6% APR and that means you shall never ever be charged a lot more than that.

Credit Union loans provide a much cheaper option to doorstep and payday loan providers who are able to charge anything as much as 1500per cent APR but we also provide loans for greater quantities at competitive prices.

The total amount of interest charged is based on just how much you borrow as well as your circumstances that are personal. The easiest way to locate down just how much you may have to settle is always to contact us for an individual example or, make use of our loan slider device as helpful tips.

I’ve sent applications for a loan and I never have heard any such thing yet.

Our loans group will evaluate loan requests on a ‘first come, first served’ foundation. We try to provide a choice within 2 to 3 times nonetheless, in top times, it may take more time.

For as long with your current mobile number, we will text you once your application has been received as you have provided us. When a determination happens to be made you will be sent a text, e-mail or even a page.

We do ask that users keep from calling us for updates as this might wait the method nevertheless, if you’re worried your application is not gotten, contact us or e-mail us and something regarding the group can search for you. You can even ask at your regional branch in the event that you get one. Call us

I’ve bad credit, could I nevertheless make an application for a loan with Leeds Credit Union?

Having bad or no credit rating can provide problems for everybody who is hoping to get that loan. Being a accountable loan provider, we shall carry away a credit and affordability check into all applications together with information about your credit report will undoubtedly be taken into consideration. Nonetheless, that will not imply that we can’t assist. Our credit scoring system isn’t the just like other banking institutions or buildings communities therefore we may be much more prone to accept the job.