It’s time to lock in.
Tick off your 2026 goals before the new year with the help of lower winter loan rates, exclusively for members saving via MOD payroll.
Key Features
- Borrow from £5,000 and £20,000
- Lower winter rates exclusively for payroll members
- Rates from 7.9% to 19.9% APR, depending on your TransUnion credit score
- Available from November 1st to December 31st
T&C’s apply. Rates are subject to assessment and approval and may vary depending on individual circumstances
What rate will you get?
Drag the slider or enter your TransUnion legacy credit score (500-710) to see the winter loan rate you may qualify for.
Your score falls within our low score band.
Rates are subject to assessment and approval and may vary depending on individual circumstances.
Repaying Loans From Your Pay
When we approve a loan, we'll work with you to set a repayment amount and a monthly savings goal. We'll then arrange for your employer to deduct this agreed amount from your after-tax salary. Rest assured, your employer won't know whether the deduction is for a loan repayment or savings!
Who Can Join?
- Anyone currently employed by the Ministry of Defence, British Army, Royal Navy or the Royal Airforce.
- British Military Veterans.
- Family members living in the same household as the above.
Terms and Conditions Apply. Credit is subject to status. Plane Saver Credit Union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Ref: 213609. Over 18s only. Members must be making deposits via MOD payroll or pensions to be eligible for this promotion. New members are also welcome to apply. For full details of this loan promotion, including promotional Terms & Conditions, please click below. If you have applied for a loan with us in the last 90 days, please contact us before applying. Representative Example: Loan Amount: £5,00, APR: 11.9% fixed, Term: 36 months, Monthly Repayment: £169.19, Total Amount Payable: £6,089.00. This example assumes a fixed APR for the full loan term and does not include the optional early-bird deferral. If you choose to defer your first repayment until January 2026, interest will accrue during the deferral period, increasing the total amount of interest payable. Actual monthly repayments may vary. If you have an existing Plane Saver loan, the promotional rate will be combined with your current rate, which will be confirmed by our lending team and in your loan agreement. Members must read the loan agreement in full before signing. Responsible Borrowing: Plane Saver encourages all members to borrow within their means. Consider your full financial situation, including the effect of any interest accrual during repayment deferrals, before applying.
