The important bits:

Lending is subject to meeting the criteria set out by Fusion Credit Union.

You must have access to a bank account and set up a standing order before you get your loan.

Interest rates are typically 3% per month. We offer interest rate reductions for people who have paid off one loan and come back for a second.

We will agree a regular repayment which we both think you can afford. Unlike many other lenders, there is no penalty for early repayment with Fusion Credit Union.

You will need to be a member of Fusion Credit Union. There is a £2 joining fee.

All members of Fusion Credit Union are expected to be savers with us. Minimum savings usually start at £1 per week.