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Lending Criteria & Affordability

Lending Criteria & Affordability

Lewisham Plus Credit Union (LPCU) assesses each loan application based on its own merits, and we reserve the right to decline loan applications or restrict the amount lent based on any factor we consider relevant.

Loans are granted mainly based on a member's ability to repay the loan.

As a guide for members, affordable loans typicaly require net income as below:

Net Income

Loan Product

Net Income

Loan Product

Less than £600 per month

SAYB or Flexi Loan

Over £15,600 p.a.

Personal Loan up to £3,000

Over £7,800 p.a.

Personal loan up to £1000

Over £23,400 p.a.

Personal Loan up to £10,000

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Lewisham + Bromley Credit Union Director's Area

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Lewisham Plus Credit Union Limited is a member of the Financial Services Compensation Scheme (FSCS), complies with the Data Protection Act 1998 and is Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Firm reference number 213588. Credit Union Registration Number 295C (IP00295C at Companies House).

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