Access Loan

Access affordable credit with a low income or an imperfect credit history.

About borrowing

Good to know

We will assess your circumstances and ensure that loan repayments are affordable.

We will consider all options and make our best offer based on your circumstances.

Our easy application process keeps you up to date at all times.

We're not-for-profit. We reinvest any surplus or pay it to our members as dividends.

We're authorised and regulated by the Bank of England, and deposits are FSCS-protected.

Save as you repay your loan, and build your nest egg for the future.

Consolidate your existing borrowings for one manageable monthly payment.

Borrow for any purpose, from essentials to treats.

Check The Cost

Loan calculator

Maximum Loan Amount :
Maximum Loan Term :




Access Loan representative 31.7% APR. The rates displayed on this page are for illustrative purposes. Our offer depends on the applicant's financial circumstances and loan amount and may differ from the Representative APR. Loans are subject to status, affordability checks and terms and conditions. Boom Community Bank implements a mandatory concurrent savings policy for borrowers. The savings requirement will add 10% to 20% to the loan repayment amount. Applicants should consider this when calculating affordability.

Representative example

Honest pricing

Loan amount


Monthly savings contribution


Loan term

36 months

Total interest


Monthly repayment


Amount repayable


Want a different option?

Get a personalised recommendation by answering a few quick questions.

How it works

Loan application process



Work out how much you want to borrow

Use the loan calculator to see what the repayments are likely to be.



Apply for your loan

The online application is quick and easy to complete.



Our loan offer

Our loan offer is subject to affordability and credit checks.



The Credit Agreement

Sign the agreement online and upload you ID and other documents we ask for.

What to expect

When you apply

  • We will check your eligibility to apply.
  • We will ask you to enrol in Open Banking, allowing us secure access to your bank statements.
  • You will be kept fully informed via text messages and emails.
  • We will ask you to supply specific documents, including a valid photo ID, to pay out an approved loan.
Apply now

Find out more

Frequently asked questions

Is an Access Loan right for me?

The Access Loan is a good option if your credit score isn’t great. If you’re not sure about this option, answer a few questions to be taken to a more suitable loan.

Do I have to become a member before I apply?

Just go ahead and apply; you don’t need to join first. We’ll register your free membership along the way.

How quickly can I get a loan?

We aim to respond within one working day. It may take a little longer if we need additional information, in which case we will contact you.

Can I use an Access Loan to pay off other debts?

All our loans are ideal for consolidation. We’ll even repay your creditors directly. For all the options, please look at our full range of any-purpose loans.

Can I speak with you before I apply?

We’re here to help, and there are several ways you can reach us. Visit our Contact Centre for all the details.

What is Open Banking?

We may need to look over your bank statements to complete a full assessment of your loan application. The quickest and easiest way to submit your bank statements is through Open Banking via our trusted partner, Open Banking gives us secure read-only access to view your account statements.

With this information, we will:

  • Verify your income
  • Carry out an affordable credit assessment
  • Be able to make a responsible lending decision is registered with and regulated by the Financial Conduct Authority to act as an Account Information Service Provider.