A better way to save and borrow through your salary
As a Lincolnshire County Council employee, you can access Clockwise payroll membership, making it simple to build savings and access preferential borrowing rates through salary deduction.
Your payroll membership benefits
Clockwise payroll membership gives Lincolnshire County Council employees an easy way to save regularly and access fair, affordable borrowing.
Save straight from your salary
Choose how much you want to save and your contribution can be deducted automatically from your salary each payday. It is a simple way to build your savings without needing to remember to transfer money each month.
Find out about saving →Access preferential loan rates
Eligible payroll members can access discounted Clockwise loan rates, with repayments collected conveniently through salary deduction.
Explore payroll loans →Build financial resilience
Whether you are creating an emergency fund, saving for something ahead or need to borrow responsibly, Clockwise is here to help you manage your money with confidence.
See how payroll membership works →How payroll membership works
Getting started is simple. Once you join Clockwise, your savings or loan repayments can be collected directly through your Lincolnshire County Council salary.
Join Clockwise
Apply for Clockwise membership and select Lincolnshire County Council as your employer during the application process.
Choose what works for you
Decide how much you would like to save regularly, or apply for an eligible payroll loan if you need to borrow.
Payroll does the rest
Your agreed savings contribution or loan repayment is deducted automatically from your salary, helping you stay on track without needing to make manual payments.
Build your savings automatically
Payroll saving makes it easier to put money aside regularly by taking the decision out of your hands each payday.
Simply choose how much you would like to save and your contribution can be deducted directly from your Lincolnshire County Council salary and paid into your Clockwise savings account.
Whether you are building an emergency fund, saving for a holiday or just want a little extra put aside each month, you can choose an amount that works for you.
Start saving with ClockwiseWhy save through payroll?
Automatic every payday
Your savings can be deducted before the rest of your salary reaches your bank account.
Choose your own amount
Start with an amount that feels comfortable and build your savings at your own pace.
Build a regular habit
Saving automatically can help you stay consistent without having to remember to move money manually.
Clockwise Savings Accounts
Discounted loan rates for Employer Partner employees
Exclusive rates for members who work for one of our Employer Partners.
- Simple repayment, directly from your salary
- No application fee or set up charge
- The interest you pay stays in our local economy
| Loan amount | APR |
|---|---|
| £50 to £1,499 | 42.6% |
| £1,500 to £2,999 | 26.8% |
| £3,000 to £7,500 | 16.1% |
- You must be an employee of one of our Employer Partners.
- You need to be up to date on any current or previous borrowing with Clockwise Credit Union.
- No adverse credit (for example CCJs or payment defaults) in the last 12 months.
- You must have the disposable income to meet the loan repayment.
- Maximum loan term is 60 months.
| Loan amount | APR |
|---|---|
| £3,000 to £9,999 | 8.7% |
| £10,000 to £15,000 | 5.7% |
- You must be an employee of one of our Employer Partners.
- You must be a homeowner for at least 3 years.
- Employed for at least 3 years.
- Have no adverse credit (for example CCJs or payment defaults) in the last 36 months.
- Be up to date on any current or previous borrowing with Clockwise Credit Union.
- Have the disposable income to meet the loan repayment.
Ready to join?
Becoming a Clockwise member is quick and straightforward. Complete the online application and we’ll guide you through the next steps.
Just like high street banks and building societies, the money you hold with Clockwise is protected by the Financial Services Compensation Scheme (FSCS), up to £120,000 per person.
Clockwise’s maximum deposit limit is £85,000, so all eligible savings you can hold with us are fully covered. For joint accounts, each person is protected up to Clockwise’s maximum deposit limit.
FSCS protection is automatic and free. If your bank, building society or credit union were ever unable to return your money, the FSCS would refund you up to the £120,000 limit.
Payroll membership FAQs
A few of the most common questions about saving and borrowing through your Lincolnshire County Council payroll.
Can I change how much I save?
Yes. You can request to change your regular savings contribution if your circumstances change. Clockwise can let you know how to update your payroll deduction.
Can I stop payroll savings?
Yes. Payroll saving is voluntary. If you decide you no longer want to make regular salary deductions, contact Clockwise to arrange the change.
Can I access the money I have saved?
Your savings are held in your Clockwise account and can be accessed in line with the terms of your savings account.
Do I have to save to apply for a payroll loan?
Loan eligibility depends on the Clockwise product and your individual circumstances. If you apply, Clockwise will explain the options available to you.
How are loan repayments collected?
For eligible payroll loans, agreed repayments can be collected directly through salary deduction, helping to make repayments straightforward to manage.
What happens if I leave Lincolnshire County Council?
Your Clockwise membership does not automatically end if you leave your employer. If you have savings or a loan with Clockwise, contact us so we can arrange an alternative way to manage future payments where needed.
Make saving part of every payday
Join Clockwise and choose an amount to save directly from your Lincolnshire County Council salary. Once it is set up, your savings can build automatically each time you are paid.