Borrow at a fixed rate and see every figure first.
Apply for loans, grants, and tax refunds from online banking. You see every figure before you send the application, and we tell you the decision as soon as our team makes it.
Every loan has a fixed rate and the same payment each month.
Your rate is fixed when your loan is approved, so the payment never changes. Try the calculator to see what a loan would cost you at today's rate.
- Number of payments
- 24
- Total interest
- $0.00
- Total you repay
- $0.00
This estimate uses our rate today. We confirm the amount, rate and term when we approve your application, and you can repay early at no extra cost.
Open an account to applyWhat you can borrow for
Personal, car, home improvement, education, business, medical, or anything else you tell us about.
What we ask for
The amount, the term, what the loan is for, your employment status and your monthly income. That is the whole form.
Repay early for free
Pay any amount from your account whenever you like, up to what you owe. There is never a fee for paying a loan off early.
Small businesses can borrow on the same terms as everyone else.
Choose Business as the purpose of your loan, whether it pays for new equipment, stock for a busy season or a fresh coat of paint for the shop front. The rate and the terms are the same as for any other loan.
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Paid into the account you chooseOnce approved, the money goes into the account you picked on the form.
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A decision you can seeWe tell you the amount, rate and term we approved, along with your monthly payment.
Grants support people and projects, and you never pay them back.
Tell us what the money is for and how you plan to use it. If we approve your grant, it is paid into your account and there is nothing to repay.
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Describe your plan in your own wordsA short explanation is enough, anywhere from a couple of sentences up to 1,500 characters.
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Applying for a group?Add the name of your organization to the form so we know who the grant supports.
You can claim a tax refund and have it paid into your account.
Send us the details of the refund you expect. Our team reviews the application, and if it is approved, the refund is paid straight into your account.
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Tax years from 2020 to 2026Apply for the current tax year or any of the six before it.
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Your filing statusSingle, married filing jointly, married filing separately, or head of household.
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Your employer, if you have oneThis is optional, but it helps us review your application.
Applying takes three steps, all in online banking.
Sign in or open an account
Applications are made from online banking, so you need an account with us first. Opening one takes a few minutes.
Fill in the short form
Go to Loans and grants, choose what you are applying for and pick the account that should receive the money.
Hear back from us
We send you a notification and an email with the decision. If we cannot approve your application, we tell you why.
You can start your application whenever you are ready.
Open an account online, then apply from the Loans and grants page in online banking.