Standard Loans

Standard loan

The Community Bank understands the pressures on disposable income in the current economic environment and undertakes stringent affordability checks before granting a loan (details here).

If you are not already a member of St Albans Community Bank, you will be required to join before a loan can be issued. Join Today

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How much do I want to borrow?

Members who have saved regularly with us for at least three months can borrow three times their savings for an initial loan and five times for a subsequent loan.

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Apply for a Standard Loan Online

For those who can show that they are able to meet the repayments, but who do not meet the criteria for a saver loan.

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Which type of loan is best for me?

We offer different types of loans, dependent on your circumstances. There are loans for homeowners, loans for members who have been saving with us and loans for those who are neither of those.

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Become a Member

You will become part-owner of your local community bank – St Albans Community Bank! You will join more than a million people who are members of the credit union movement in Great Britain.

The areas we can help with Saving & Loans

Some of the areas that qualify for this loan if members can show that they are able to meet financial criteria.

North Hertfordshire
Stevenage
East Hertfordshire
Harpenden
St Albans
Broxbourne
Welwyn Garden City
Hatfield
Watford
Three Rivers
Hemel Hempstead
Berkhampsted
Chorley Wood

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“We wanted to get a flat together. We could afford the rent but the deposit was just too much all in one go. We spoke to St Albans Community Bank and got a loan that we could afford”

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Our Hub

Keep up to date with our latest news, resources and financial wellbeing

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October 14th 2025
International Credit Union Day 16th October 2025
As a member of the credit union movement, St Albans Community Bank is pleased to celebrate International Credit Union Day.
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April 8th 2025
St Albans Community Bank Supports The Campaign To End Illegal Money Lending
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April 1st 2025
Abbreviated Accounts for 2024
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April 1st 2025
Chair’s Report to 2024 AGM
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Financial Services Compensation Scheme (FSCS)

You can sleep easy at night knowing your money is safe and protected under the financial services compensation scheme.

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