Lending criteria

To apply for a loan at Castle & Crystal Credit Union you first need to meet one of our common bond requirements.

You must also:

  • Be 18 years old or over and a UK resident
  • Have an income of more than £125 per week
  • Have a bank / building society or post office account or a credit union pre-paid card
  • Not have been declined for credit in the last month
  • Not have a recent history of bad credit such as arrears, county court judgements (CCJS), defaults or bankruptcy
  • Not be involved in a debt management plan

You will need to provide us with:

  • Two months recent bank statements
  • Two monts recent payslips
  • Your bank / building society details (if you have one)
  • Details of your annual income and monthly outgoings
  • Your employers name and address

Please note we do not accept photos of bank statements, payslips or any other images of supporting evidence taken on smart phones and other similar devices.


Important information

Loans are exclusive to our members and savings are encouraged. If you’re not already a member we’ll ask you to join first and deposit £4 to open your account.

Loans available to UK residents and over 18s only. Subject to status and meeting our lending criteria. All applications are also subject to our usual credit checks. We use the Equifax Credit Reference Agency to search your credit history.

Evidence of income/expenditure and debts are required to complete affordability assessment. We reserve the right to offer a different loan product/amount or to decline your application.

We cannot lend to you if you have an active or unsatisfied CCJ, IVA, DRO or Debt management plan or if you are an undischarged bankrupt.