Borrow the money you need, secured against your salary
We want to help our members even if we're unable to offer our Neyber loan. Our Partnership loan has been designed to help you if you have a lower than average credit score, and you’re left faced with high-interest options.
Repayments are salary-deducted and if you leave employment, we'll work with you to work out how your outstanding loan repayments will be deducted from your final pay-cheque.
Your partnership loan calculator
How much do you need to borrow?
For how long?
Your representative example
- £500.00Loan amount
- 18.9%APR (Fixed)
- £45.71Monthly repayments
- £48.47Total interest
- £548.47Total repayable
18.9% APR Representative based on a loan of £2,200. Repayable over 2 Years at an Interest rate of 18.9% PA (fixed), Administrative fees: £0, Monthly payment of £109.24. Total amount payable £2,621.65
Rates shown are for salary-deducted loans only
If you belong to the Police force (or Police Mutual) please click here.
A responsible lender
Designed to provide an affordable option to those who might not have the best credit history and are struggling to get access to the money they need
You can borrow between £500 and 20% of your gross pay. Know exactly what you're getting with a single fixed rate of 18.9% APR with terms from 1–3 years
We understand that you may choose to leave your job, so we'll work with you to work out how your outstanding loan repayments will be deducted from your final pay-cheque
- Remember there is no guarantee that you will get the lowest rate advertised by lenders in the market
Our other products
You may be interested in one of our other loans
Your questions answered
Got questions? We've got answers
To offer one of our loans, we'll need to get the usual things ticked off. Check out our eligibility criteria below (any variance to these terms will be made available to you at the start of the application journey).
- You are aged 21 or over;
- You have a yearly salary or annual income of at least £13,500 and are able to afford the loan;
- You have had a permanent contract with your current employer for a minimum of 6 months;
- You aren't currently serving your probation or notice period;
- You are a resident of and currently live in the UK;
- You have a minimum of three years address history in the UK;
- You consent to us accessing your credit profile;
- You do not have any large outstanding defaults;
- You have not been registered as insolvent in the last 6 years;
- You have not entered into an Individual Voluntary Agreement (IVA) / or a debt management programme within the last 6 years;
- You are borrowing for your personal needs and not for business purposes, towards the purchase of a property or speculative investment;
You can apply to borrow between £2,000 and £25,000. As with any loan, the loan amount you are offered may differ from that which you applied for depending on your personal circumstances.
You'll be offered one of our fixed rates of 3.9% APR (Excellent), 8.9% APR (Great), 13.9% APR (Good) and 18.9% APR (OK). The rate you are offered will depend on your personal circumstances.
If you leave your employer, we'll transfer any outstanding loan repayments onto Direct Debit. We may charge a £12 administrative fee at this time.
For some loans we reserve the right to take the final repayment of the outstanding balance but we'll agree this with you at the time.
If you're interested in being offered Neyber as a new benefit email us at firstname.lastname@example.org and we'll happily contact your employer and fill them in about what we're doing.
Yes, if you want to pay back your loan early - that's all good with us. And, don't worry we won't charge you any early repayment fees.
We don't charge any set-up or early repayment fees. Should you leave your employer, we may charge a discretionary £12.00 administrative fee to move your repayments over to direct debit.
We aim to process all applications within 24 hours and we'll send you a confirmation email once we've done it.
Please note that if your application is approved after your employer's salary cut-off date, your first repayment will be delayed until the following month. If you wish to make an earlier repayment to reduce your total interest charges or you simply want to find out when your employer's cut-off date is, please contact us on 0800 820 3103 or 0203 744 0552.
You can apply for a top-up loan of up to £25,000. When you apply for a Top-Up, we'll use your new loan to pay off any outstanding balance on your existing loan, and you will then receive the rest of the money into your bank account. For example, if your current Neyber loan balance is £1,500 and you apply for a Top-Up of £10,000 we will clear the outstanding balance of £1,500 and then send the remaining £8,500 to you.
If you use our debt consolidation service, the money will be sent directly to your existing creditors. Make sure you apply for enough to cover your existing Neyber loan balance, plus any debts you would like us to consolidate for you.
We don't charge any fees when you settle your loan early, so there is no charge for taking out a Top-Up.
As an employee benefit, we will continue to deduct your new monthly repayment directly from your salary. We'll work with your employer to collect the monthly instalment each month.
Your new loan may have a different interest rate from your initial loan and the loan term could be different, too. This may mean that you will pay more interest than you did before.
Periodically we will review your account to assess when you might be eligible to apply for a top-up. We'll let you know by email when you're eligible. When you apply for a Top-Up, we'll use your new loan to pay off any outstanding balance on your existing loan, and you will then receive the rest of the money into your bank account. For example, if your current Neyber loan balance is £1,500 and you apply for a Top-Up of £10,000 we will clear the outstanding balance of £1,500 and then send the remaining £8,500 to you.
Get in touch
Got questions or need more information? Feel free to get in touch with us.
We're open Monday - Thursday 9am to 6pm, Friday 9am to 5pm. We are closed at weekends and on Bank Holidays. Call charges may vary.
Calls may be monitored or recorded for training or quality purposes.
Please note, we are not able to take applications by phone.
0800 820 3103
0203 744 0552
Financial wellbeing team: email@example.com
Support team: firstname.lastname@example.org