Need a little extra?

Top up your existing loan from £500 to £25,000, for any purpose, over a term of 1 – 7 years.
You could even keep your repayments the same by changing the term of your loan. Find out how affordable our loans are.

Additional Borrowing Loan Calculator

Enter the amount you wish to borrow, excluding your current loan balance

Find a loan to suit you

I want to borrow


How long for

Representative Example


  • Representative APR 29.4%
  • Monthly Repayment £49.33
  • Total Repayment £1234.56

Benefits of additional borrowing with us:

  • Lending decisions are based on your individual needs and are made by a person, not a computer
  • Quick and easy online application
  • Clear interest rates guaranteed not to change after application
  • Text updates throughout each stage of your application
  • We help you grow your savings alongside your loan repayments
  • Decisions usually within 24 hours* with the option to have your loan paid same day (£2 fee applies)
  • FREE loan protection insurance**

*The popularity of our loans and the volume of applications means that it can sometimes take a little longer to get back to you with a decision – but don’t worry – we’ll send you a text to let you know the progress of your application.
**In the event of your death, your loan will be paid off in full. Restrictions apply.


  • The calculator above is for illustrative purposes. Please don’t include any existing loan balances you have with us – only the new amount you want to borrow. Your new loan will be added to the balance of your existing loan to give you one combined affordable loan repayment. Once you apply we’ll contact you to discuss actual repayment terms that suit you best.
  • If you don’t meet the lending criteria for the loan you apply for, our underwriting team will get in touch with you.  You may meet the criteria for a different loan amount or product.
  • Loans are exclusive to our members, who must save at least £10 per month together with their loan repayment.
  • Terms and conditions apply. View our loan rates
  • Additional borrowing is not available for debt consolidation.  Visit our Consolidation Loan page if you’re interested in this.