Credit Unions

stellagypsy

Our credit Union is through work (public sector organisation) - we also do not have a savings qualification any more, we can borrow any amount up to £5K for any purpose and the repayments come directly out of wages. No credit checks and no daft questions - they make you fill in an SOA to ensure you can afford it but as it comes straight off your wages, there is little chance that you can default (unless you leave!).

Some churches or schools do them - it might be worth asking there.

HTH, Stella