Community Loan


Heritage Credit Union believe in the power of Community.

We are open to lending for community organisations improvements.

Talk to us first!

We can help YOU help YOUR community

Community loans are ideal for anyone looking for financial support eg Non-profit organizations seeking funds for community projects. Additionally, groups aiming to fund projects that benefit the local area, such as community centers or parks, might use these loans to support their initiatives.

Getting a community loan from Heritage Credit Union can be very beneficial. Unlike banks, credit unions are member-owned and not-for-profit, which often means lower interest rates and better loan terms. We focus on serving our community. The loan process is more personalised, with staff taking time to understand each applicant's situation and offering tailored advice. This approach helps borrowers get the funds they need while building trust and support within the community.

Start the process by giving us a few details.

Fill out the short form below...

Community Loan Application Form

The Benefits of Borrowing from Us

Our loans are based on your ability to repay and not how long you are a member or how much you have in savings with us

Interest is on your reducing balance, so you pay less interest with each repayment

Repayments are designed to be flexible and to meet your personal circumstances

In the event of your death, your loan is insured - subject to terms, conditions and eligibility criteria - at no direct cost to you

Loan Protection Insurance, Life and Disability cover is available to eligible members

No penalty fees are charged for early repayment of loan balances

There are no hidden fees or transaction charges

Direct Debit payment from your bank and be sure of regular payments to your Credit Union account.

Ready to Apply?

Are you ready to apply or do you need more information on our affordable loans? Click on "Apply Now" button to start your journey right now. Click on "Contact Us" button to send us a message or call to the Office and talk to our friendly staff.

Apply Now Contact Us

Not a Member?

Whether it’s our full digital services such as our online banking and mobile banking app, putting control of your finances at your fingertips, or our friendly staff available to talk to you about your financial needs, we have you covered.

Add our competitive loan interest rates, options to apply and collect online or in person, and our commitment to supporting local community groups and events and you can see why there’s only one place to go for your financial needs.