Loan Information

Kingdom Community Bank offers low cost, unsecured personal loans which are available for just about any purpose – a new car, a holiday, Christmas, a new washing machine, repairs or home improvements.
We charge no set up fees, no repayment penalties and there are no hidden costs.  There are several loan options available as detailed below.

Our Commitment to Affordable Credit

As your local member owned Community Bank, we are passionate about helping people in Fife. We believe in the deliverance of a Fairer Fife as defined by the Fairer Fife commission, ” a Fife where all residents have the capability to live good lives, makes choices and reach their full potential and where all children are safe, happy and healthy”. We do our bit by offering affordable credit. Our loans are very affordable – we don’t want people to use Everyday Loans, Quick Quid, Provident, or other high cost lenders such as Loans At Home and we definitely don’t want people going to weekly rent to own companies such as Brighthouse when they can come to us and get a cheaper loan. Whatever your circumstances, and even if you have received quotes from other lenders, please consider coming to us. Simply check out the figures on our loan calculator below, then contact us to apply!
Loan Calculator
Fairer Fife Commission

If you’re in employment, talk to your employer about deducting a regular sum from your wages and paying it directly in to your Community Bank account. The regular amount will be paid in to your savings and/or loan – your employer wont know which!

Even if you’re on a low income or receiving benefits, you can still apply for a Kingdom Handy Loan.  You don’t even need to be a member!  You can join when you apply for your loan.approved

Which is the right loan for you?

 Saver Loan (12.68% APR.)

For regular savers who want to borrow an amount based on their savings.

Premium Loan: (9.38% APR.)

For regular saving members who wish to take out larger loans of £5,000+.

Secured Loan (6.9% APR.)

For anyone wishing to borrow an amount equal to, or less than, their savings. Your nest egg will still be there when your loan is paid off.

Kingdom Handy Loan (34.49% APR.)

For new or current members who have little or no savings to base a loan on, but are receiving benefits or on a low income and need an affordable loan.  If you borrowed £250, you would pay back a total of around £271.96 at £11 per week.
Please contact us on 01592 714888 / 758596 for examples of how much you may be able to borrow or use our loan calculator.
  • Loans include Member death benefit at no extra cost.
  • We assess your ability to borrow (and repay) a loan on your current situation rather than your credit history, but please note that larger loan applications will include a credit check which is standard practice.