Chesterfield Financial Services - Chesterfield Savings & Loans in Chesterfield

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Chesterfield Home > Chesterfield > Chesterfield Business Guide > Chesterfield Financial Services > Chesterfield Savings & Loans

Address:	10 Theatre Yard
District:	Low Pavements
Town:	Chesterfield
Postcode:	S40 1PF
Telephone Number:	01246 278833
Web Site:	http://www.chesterfieldsl.co.uk
Business Type:	Financial Services

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An easy way to save with a low cost way to borrow

CG: What is a Credit Union?

CSL: A Credit Union is a community financial cooperative run by its members for its members. We offer an easy and safe way to save with a very low cost way to borrow.

CG: Who can join? What do I need to do to join?
CSL: To qualify to be a member you must be 16 years old to save and over 18 years old to borrow, you must also live or work within the Chesterfield Borough Council boundary. To join just give us a quick call on 01246 278833 and we will send you an application form. Three forms of identification will be required.

CG: How much do I to save and how often? What happens if I can’t pay savings in one week?
CSL: You can save as little as you like, we have members who save from £2 a week up £30 a week. We need you to try and save regular amounts so that if you apply for a loan we can fit the repayment to within your budget, but if you miss a week of you savings don’t worry.

CG: How and where do I pay money in? How do I draw it out?
CSL: You can pay in at the main office in Chesterfield town centre or we can help you set up a standing order. If at anytime you need to draw out your saving you just need to pop in and sign a simple form, you cheque will be ready in 7 to 10 days. (Amounts under £500 are cashable at the main Chesterfield Post Office)

CG: How do I apply for a loan? How much can I borrow? Do I have to pay interest on what I borrow?
CSL: To qualify for a loan you must save regular amounts for 8 weeks, after which you can apply for a loan which will total 3 times your savings (A limit on the first loan of £500 above your shares) The maximum loan offered by us is £4000. The interest rate on all loans is 12.7% APR e.g. If you borrow £500 over a year you will pay £532.60.

CG: Why should I use Chesterfield Savings & Loans and not any other financial services?
CSL: We are a fast growing Credit Union. With the support of the community we will grow to a point when profits made will be shared equally between all our members, in the form of a dividend. With the availability of low interest loans, you will gain from a competitive financial product

CG: How do I pay back money I have borrowed? How quickly do I have to pay my loan back?
CSL: You can repay you loan at the main office or by standing order. The loan repayments can be paid weekly, fortnightly or monthly. Payments can be made from 6 months up to 3 years depending on the loan amount and your budget.

CG: Do I need a bank account?
CSL: No.

CG: How do I know that my money is safe?
CSL: Chesterfield Savings & Loans is regulated and authorised by the Financial Service Authority, so your money is as safe as in a bank.

CG: Where do I find out more details?
CSL: You can call in at the Chesterfield office or call us on 01246 278833 to find out more information.

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