Go solar today without the high-interest headache.

Any, employed, homeowner in our common bond area can apply. You’ll need to be aged 18 or over and able to provide proof of income. Unlike big banks, we look at the person behind the application, not just the numbers on a screen.

Most of our members receive a decision quickly, and once approved, funds are typically transferred to your account within 24 hours.

No. We use a “soft search” for our initial eligibility check. This allows us to see if we can help you without leaving a mark on your credit file that other lenders can see. A full credit check is only performed once you decide to proceed with the formal application.

Your rate is primarily based on the amount you borrow. For example, loans between £3,000 and £10,000 carry a representative APR of 8.7%, while smaller loans under £2,999 have a fixed APR of 42.6%. Your individual circumstances may also influence the final rate offered.

No, our home improvement loans are unsecured. This means the loan is based on your personal circumstances and affordability, rather than using your home as collateral.

No, you don’t need formal quotes to start your application. However, having a clear idea of your estimated project costs helps us ensure the loan is affordable for you. You are in control of how and when you pay your tradespeople.

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center”,”_mask_position_tablet”:””,”_mask_position_mobile”:””,”_mask_position_x”:{“unit”:”%”,”size”:0,”sizes”:[]},”_mask_position_x_tablet”:{“unit”:”px”,”size”:””,”sizes”:[]},”_mask_position_x_mobile”:{“unit”:”px”,”size”:””,”sizes”:[]},”_mask_position_y”:{“unit”:”%”,”size”:0,”sizes”:[]},”_mask_position_y_tablet”:{“unit”:”px”,”size”:””,”sizes”:[]},”_mask_position_y_mobile”:{“unit”:”px”,”size”:””,”sizes”:[]},”_mask_repeat”:”no-repeat”,”_mask_repeat_tablet”:””,”_mask_repeat_mobile”:””,”hide_desktop”:””,”hide_tablet”:””,”hide_mobile”:””,”_attributes”:””,”custom_css”:””},”defaultEditSettings”:{“defaultEditRoute”:”content”},”elements”:[],”widgetType”:”button”,”htmlCache”:”\t\t<div class=\”elementor-widget-container\”>\n\t\t\t\t\t\t\t\t\t<div class=\”elementor-button-wrapper\”>\n\t\t\t\t\t<a class=\”elementor-button elementor-button-link elementor-size-sm\” href=\”https://myaccount.clockwise.coop/ApplyNow?productId=969E4390-9A3C-4C37-9A0D-6DB486F033CF\”>\n\t\t\t\t\t\t<span class=\”elementor-button-content-wrapper\”>\n\t\t\t\t\t\t\t\t\t<span class=\”elementor-button-text\”>Become a Member and Apply</span>\n\t\t\t\t\t</span>\n\t\t\t\t\t</a>\n\t\t\t\t</div>\n\t\t\t\t\t\t\t\t</div>\n\t\t”,”editSettings”:{“defaultEditRoute”:”content”,”panel”:{“activeTab”:”content”,”activeSection”:”section_button”}}}]}Building a small contingency into your initial loan request can be beneficial. 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