Take the pressure off this Christmas.

Borrow £300 - £3,000 with no repayments for the first 3 months.*

Key Features

  • Borrow from £300 to £3,000
  • Fixed rate 29.9% APR
  • No repayments for the first 3 months*
  • No early repayment penalties.
  • Pay your balance off early and save on interest
  • Up to 36 months to repay
  • Available from November 1st to December 31st


T&C’s apply. Subject to assessment and approval. Interest accrues from the date your loan is issued. 
Offer Loan Calculator
Offer loan calculator

Let's work out your loan

Choose how much you'd like to borrow and your loan term to see an illustrative repayment estimate.

£300–£3,000 Loan amount
29.9% APR Fixed advertised APR
3 months Payment holiday
£1,000
£300 £3,000
36 months
6 months 36 months
Your first 3 months are payment-free

Interest still accrues during the payment holiday. Your selected term includes these first 3 months, so repayments are estimated over the remaining months.

Your estimated repayments

Estimated monthly repayment
£0.00
Over 33 monthly repayments after your payment holiday
Estimated total repayable £0.00 Across your selected loan term
Estimated interest cost £0.00 Above the amount borrowed

Your loan at a glance

Amount borrowed £1,000.00
Payment holiday 3 months
Repayment period 33 months
Advertised APR 29.9% fixed
Important information: These figures are illustrative estimates only, not a loan offer or a guaranteed repayment schedule. The calculation uses a provisional monthly-rate approximation derived from the advertised 29.9% APR and assumes no fees. It does not reproduce the lender's confirmed daily-interest calculation. Actual repayments and total cost may differ.
*T&Cs apply. Subject to assessment and approval. Interest accrues from the date your loan is issued. No early repayment penalties.

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!

Loans

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.