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Loan Calculator

Affordable Finance Responsibly Borrowed

Find out how much you could borrow* in the click of a button using our on-line loan calculator

Apply online or download an Application Form

* All loans subject to credit status

Lewisham Plus Credit Union (LPCU) offers loans for many different purposes to members who are over 18 years of age. We exist to support our members, which means that we offer extremely competitive rates compared to doorstep lenders or pay day lenders. We also seek to provide a convenient and personal service for credit union members.

Our interest rates vary from 0.5% per month (6.2% APR) up to 3% per month (42.6% APR). Some doorstep lenders charge 272.2% APR or more - this is ten times as expensive - and you may pay far more than this at some online lenders. This makes a big difference to the money left in your pocket.

With LPCU you can borrow small or large amounts over a period of usually 1-3 years but up to a maximum of 5 years, with no fees, no penalty for early repayment and free life insurance (within policy limits).

When deciding whether to approve a loan application our loan officers will consider your credit history and your ability to repay, as well as information we receive about your credit history from Credit Reference Agencies. We will not lend more than our members can afford to repay.

LPCU officers may assist you in drawing up a simple budget as part of the loan application and ask to see proof of your income in order to check that the loan you are requesting makes sense for you and for the Credit Union.

There are several types of loan we offer:

Managing Your Information Privacy Notice Summary

Credit Reference Agency Information Notice 

For our full list of Terms and Conditions, please click here, or they can be found in writing at any of our branches.





You can find our branches in Bromley, Sydenham Lewisham and New Cross. We're here to help, with Savings, Loans and Current Accounts for you

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A Loan thats Right 4U

Try our easy to use loan calculator and find the best loan deal for you.

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Engage Current Account

A new low cost card based current account with many additional benefits


Smartcash is an exciting new Engage card just for young savers aged 8-16. First 500 accounts free of the usual £10 fee.

Lewisham + Bromley Credit Union Director's Area


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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