Assistência Médica Empresarial
Perguntas frequentes - TIRE SUAS DUVIDAS
How do I apply for a Family Loan?
Please follow these steps:
Join the Credit Union.
Activate your account.
Apply for your Family Loan here.
A decision in principle. Once we have assessed your application (24-48hrs) we will contact you and let you know your loan decision.
Make arrangements for a benefit or salary to be paid to your Credit Union account. You will need to contact HMRC/DWP or your Employer to arrange this.
What is a Family Loan and how does it operate?
Our ‘Family Loan’ allows families/individuals to apply for a loan of up to £500 from the Credit Union. This will be conditional upon a benefit or salary being paid directly into your account with the Credit Union in addition to our lending criteria.
How do I change my benefit or salary to the Credit Union?
You will need to contact HMRC/DWP or your Employer and ask them to make payments to your account with us. We will supply the sort code, account number, and applicable reference when we provide a decision in principle.
Who can apply for a Family Loan?
Anyone who lives or works in Carmarthenshire, Pembrokeshire, Ceredigion or West Glamorgan can join SaveEasy Credit Union and apply for a Family Loan.
What happens to my benefit or salary when it arrives at the Credit Union?
The whole of your benefit or salary will be paid to your account with the Credit Union. We will expect a contribution to be made to your attached savings account. For subsequent payments, we will pay your loan and save an amount agreed with you. You decide what happens to the ‘surplus’ amount. It can be left in your savings account or sent back to your bank account.
Can I apply for more than £500 or have more than one Family Loan?
Your Family Loan balance can never be more than £500 and you can only have one loan at a time.
Can I get a Savers' loan with the Credit Union?
Once you have fully repaid your Family Loan, you will be eligible to apply for a Savers' loan. The amount you can borrow will depend primarily on your savings balance and will be subject to affordability. More information here.
How can I access my savings?
Whilst you are repaying your Family Loan, your savings are locked in place. Upon completion you are able to withdraw savings by contacting any branch.
Can I pay my loan back early? Are there any fees for this?
Members can clear the balance of a loan at any time and we do not charge any early settlement fees for this.