Spring Payroll Loan
For Our Payroll Savers.
Borrow
£3,000 to £10,000 with a fixed rate of
10.9% APR*
- Free prize draw entry when you borrow before the end of April
- No extra fees when you apply directly
- Fixed monthly payments from your salary
- Free Loan Protection up to £10,000
- Hundreds of exclusive member discounts
Apply between 1st of March & 30th of April 2026 to get the rate!
*Terms and conditions apply. Credit subject to eligibility, affordability assessment and standard lending checks. Full loan terms are provided in your Loan Agreement.
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Spring Loan Offer
Supporting Our Payroll Savers
Fixed-Rate Borrowing
Borrow between £3,000 and £10,000 with a fixed 10.9% APR, so you always know what you’ll repay.
Repay Directly from Your Salary
Payments are deducted automatically through payroll — no separate payment dates to manage.
Free Loan Protection
All loans come with up to £10,000 of free Loan Protection.
YOUR CHANCE TO WIN WHEN YOU BORROW
Spring Prize Draw
A spring bonus for our members! Every successful loan applicant during the campaign period will be automatically entered into our prize draw:
- £100 supermarket e-gift card
- £75 supermarket e-gift card
- £75 supermarket e-gift card
Winners can choose their e-gift card from: Asda • Sainsbury's • Tesco • Morrisons
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WHAT DO OUR MEMBERS SAY?
Member Feedback
Always there when I need them. I love to put back in what I get out from them because they’re so lovely.
Neil
February 2026
The service I received was fabulous. They were in constant contact, and I knew what was going on at all times.
Anonymous
February 2026
Wonderful service as always. I have been a member 25 years and wouldn’t use anyone else.
Anonymous
December 2025
Which Works Out Cheaper?
£3,000 on a Credit Card vs our Spring Loan
A £3,000 balance on a typical credit card can carry interest rates well above 20% if it isn’t cleared each month — and minimum payments can keep you in debt far longer than planned. Our Spring Loan, with a representative 10.9% APR, offers a clear repayment schedule, a lower overall cost for many borrowers, and no surprises along the way. It’s straightforward borrowing designed to help you move forward, not spin in circles.
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IMPORTANT INFORMATION
Harlowsave Credit Union is a trading name of Plane Saver Credit Union Ltd. This promotional campaign runs from 1st March to 30th April 2026 and may be withdrawn or amended at any time. Terms and Conditions Apply. Credit is subject to status, over 18s only. If you have applied for a loan with us in the last 90 days, please get in touch with us before applying again. Loan Protection is provided to all members free of charge - see terms and conditions HERE.
Eligibility
Applicants must:
- Be aged 18 or over
- Be a member of Harlowsave Credit Union/Plane Saver Credit Union
- Work for one of Harlowsave Credit Union/Plane Saver Credit Union's Payroll Partner Employers.
- Have an active payroll deduction in place (or agree to set one up)
- Meet lending, affordability and credit assessment criteria
Loans are not guaranteed, and are subject to affordability, identity, credit and eligibility checks.
Representative Example
Borrowing £5,000 over 36 months at a fixed rate of 10.9% APR would result in:
- Monthly repayment: £165.12
- Total amount repayable: £5,944.32
- Total interest payable: £944.32
This example is for illustrative purposes only. Your actual loan amount, monthly repayment and total repayable will depend on your individual circumstances and will be confirmed in your Loan Agreement. 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 before applying. All loans are subject to status, affordability assessment and credit checks. Supporting documentation may be required. We encourage all members to carefully read their Loan Agreement before signing. Loan Agreement terms always take precedence over promotional information.
Prize Draw
Successful applicants will be automatically entered into the Spring Prize Draw unless they choose to opt out by contacting info@planesaver.co.uk. Three winners will be selected at random using an online random number generator after the campaign closes. Winners will be contacted by telephone and/or email.
