We strongly recommend that you read through the form before filling it in so you can prepare the necessary paperwork & details.
Are you a member of the Credit Union?
If yes, please give your membership number (if known)
If no, and you are not already a member, please state your qualifying connection
If you are not sure if you have a qualifying connection, please contact Churches Mutual before proceeding with your application
How much would you like to borrow (maximum £20,000)?
What is the loan for?
What term do you want the loan over (maximum 60 months)?
Title
Surname
First name(s)
Date of birth
Marital Status
Do you have any dependent children?
If yes, list their ages
Please list their ages, seperated by a comma.
Home telephone number
Mobile telephone number
Email address
Employment Status
Current address
Post code
Residential status
How long have you lived at this address in months and years?
If you have lived at the above address for less than 3 years, please give your previous address/addresses if more than one
How long did you live at this address in months and years?
What is your primary source of income?
If working, please state your occupation and if full time, part time, self-employed or other and give the name and address of your employer (if applicable)
Please give your payroll/employee unique reference number.
Open Banking
To make the loan application process simpler Churches Mutual offers Open Banking. This means that you do not need to directly submit bank statements, if you wish to use Open Banking for this application, please click the ‘Open Banking’ link in the confirmation email you receive after submitting this form. Please include access to all the accounts you use for regular income and expenditure transactions. Open banking allows you share your financial data such as your spending habits, regular payments and companies you use (basically your bank, credit card or savings statements) with authorised providers of financial services such as Churches Mutual. This allows us to make a fair and equitable assessment of your ability to repay a loan, which is in your best interests.
Name on account
Sort code
Account number
How long have you had this account?
Do you have any other accounts?
Please note that if your loan application is agreed your loan will be paid by BACS transfer into your bank account as stated on this application form unless otherwise arranged by yourself or the Credit Union.
PLEASE NOTE: If you do not wish to use open banking, or if your bank is not part of ‘Open Banking’ system you must supply a copy of your most recent bank statement for your main account covering a period of 6-8 weeks in order for your loan application to be considered. As part of our affordability assessment we do look at regular expenditure. If you have income and/or expenditure on more than one bank account or use a credit card for 'day-to-day' expenditure please supply statements for those accounts.
Bank Statements etc, if not using Open Banking
Documents in the following formats: .jpg, .jpeg, .pdf, or .png can be uploaded using the field below. If you have more than 64 MB of documents you can also use the online submission form in the account services section of our website. Alternatively you may send them as an email attachment to loans@cmcu.org.uk
Earnings from work
You
Your Partner
Benefits/tax credits
Pension (received)
Expenses (received)
Other income
Do you have any rental income?
If yes, please provide the address of the property and a bank statement showing income (rental) and expenditure (e.g. mortgage, management fees) if in separate account
Housing Costs e.g. rent, mortgage
Council Tax
Utilities (gas, electricity, water, TV licence)
Groceries (food, toiletries and other products)
Clothing/Uniforms
Telephones/Internet/TV/Media charges
Travel Costs (Fares, Petrol)
Car expenses (MOT, Tax, Service)
Life Insurances and Pension Contributions
General Insurance (Home, Car, Pet)
Savings
Secured Borrowing (other mortgages, car, HP)
Unsecured Loans
Credit Cards
Charitable Givings
Entertainment/Birthdays
Child Care Costs
Additional Educational Expenses
Do you own any property that is not your principal residence? If yes, please state the total costs on this property if not included above.
Any other regular expenditure
Please complete the details of the accounts you wish to settle and provide a copy of the most recent statement for each.
Account Type (credit Card, Mail Order, Loan Etc)
Creditor
Secured (yes/no)
Balance to Date
Date Next Payment Due
Have you ever had a County Court Judgement?
If yes please supply details
Have you ever had a Debt Relief Order?
Have you ever had a Debt Management Plan?
Have you ever had an Individual Voluntary Arrangement?
Have you ever been known by any other name/s in the past?
Please tell us about how you heard about Churches Mutual Credit Union
Please provide details of your next of kin, or the person to contact regarding your account in the event of your death.
Full name
Address
Relationship
Contact details
Data Protection
Data Protection Act 1998: Your Personal Information will be treated as confidential and will only be disclosed a) at your request b) to our agents in managing your accounts c) in the public interest d) to prevent fraud or by the order of the courts or e) taking up references. The Data Protection Act gives you a right to a copy of your personal records held on our files on request
In order to assess your application Churches Mutual may take up such references and make such enquiries about you as we consider necessary, this will include carrying out a search the files of a credit reference agency. The fact a search has been made will be recorded by each credit reference agency used and the data supplied will be available to other lenders and others authorised to search the credit reference agencies files, for purpose such as the credit assessment of you and members of your household and occasionally for debtor tracing and fraud prevention. If your application for finance is accepted then details about you and the conduct of your account will be passed to credit reference agencies and these details will be used for similar purposes. We may also disclose information about you and the conduct of your account to credit industry fraud avoidance networks and to tracing and debt collection agencies and our solicitors. Full details of how we treat your personal data can be found on the ‘Privacy Notice’ page of this website.
I declare to the best of my knowledge I am in good health and fit to make the monthly repayments on my loan.
I declare that the facts, matters and statements made on this online application for the purpose of obtaining the loan are true, complete and accurate in all respects and I acknowledge that, if any such facts, matters or statements are not true, complete and accurate in all respects, the CHURCHES MUTUAL CREDIT UNION LTD is entitled to refuse the application for the loan or take civil or criminal proceedings against me, if the loan has been granted. I also confirm that if there is any change in my circumstances during the loan application process I will inform Churches Mutual immediately.
