We’ll help you set up automatic savings straight from your salary each month — no apps, no hassle.
Set aside a small amount regularly from Universal Credit or other benefits — simple and consistent.
Repay your loan while putting a bit aside each month, so savings grow without extra effort.
Flexible borrowing for life’s everyday plans
Making your plans possible, one step at a time
Keep your savings safe while borrowing at our lowest rate
Helping families borrow safely — and save along the way
Simplify your borrowing. Take back control.
Borrow bigger. Make it happen sooner.
Fair, affordable loans — whatever your income
Learn what you can do with our mobile app and how to download and register
Our newly-upgraded debit card comes with features that make your money easy to manage
Taking in a lodger? We can include that income in your mortgage application.
We count your bank shifts and agency hours toward what you can borrow.
Stay in the home, buy out your ex, or start fresh.
Use your MOD salary advance to help buy your first home.
Partner with us to boost colleague financial wellbeing with salary-deducted savings and loans
Founded by Southwark Council staff in 1982, find out where we've come from and the journey so far.
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