Important Information you should know before you apply
Credit is subject to status. The rate you will pay depends upon a credit assessment conducted by us of your individual circumstances. We reserve the right to refuse any application and to refuse a loan for certain purposes.

Eligibility
Please note, in order to apply for a loan you must:
• be aged 18 or over;
• live permanently in the UK; and
• have not been declared bankrupt, granted a Trust Deed or entered into an IVA within the last 6 years.

Before you complete a loan application, please confirm that you meet our eligibility criteria by ticking each box below. Please note that your application will be rejected if you do not meet these criteria.

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If you have lived at your current address for less than 3 years please provide below the 1st line of address and postcode for your previous address.

Maximum Loan amount: £35,000.

Please write down below the bank details of the account you want the loan to be paid into if your application is successful.

This should include (if applicable):
- Your wages
- Your partner's wages
- Any benefits you or your partner receive
- Any other regular income you can provide evidence for if needed.

Please breakdown your monthly income below:

Existing creditors
This must include: credit cards, loans, overdrafts, payday loans, hire purchases agreements, catalogues, etc.

A Condensed guide to the use of your personal information by ourselves and at Credit Reference and Fraud Prevention Agencies.
1) When you apply to us to open an account, this organisation will check the following records about you and others (see 2 below)
a) Our Own;
b) Those at credit reference agencies (CRAs). When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. They supply us both public (including the electoral register) and shared credit and fraud prevention information.
c) Those at fraud prevention agencies (FPAs)
We will make checks such as; assessing this application for credit and verifying identities to prevent and detect crime and money laundering. We may also make periodic searches at CRAs and FPAs to manage your account with us.
2) If you are making a joint application or tell us that you have a spouse or financial associate, we will link your records together so you must be sure that you have their agreement to disclose information about them. CRAs also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.
3) Information on applications will be sent to CRAs and will be recorded by them. Where you borrow with us, we will give details of your accounts and how you manage it/them to CRAs. If you borrow and do not repay in full and on times, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.
4) If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.
5) If you have borrowed from us and do not make payments that you owe us, we will trace your whereabouts and recover debts.
6) We and other organisations may access and use from other countries the information recorded by fraud prevention Agencies
7) Your data may also be used for other purposes for which you give specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Date Protection Act 1988.

Find out more
The identities of the CRAs, and the ways in which they use and share personal information, are explained in more detail at:
CallCredit at transunion crain
Equifax at Equifax crain
Experian at Experian crain
Our website at ESCU CRAIN
Our full privacy notice can be viewed on our website at ESCU Privacy Notice and is also available in print version upon request, phone 0300 303 3188 or ask a member of staff.

You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee
TransUnion, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ, or call 0870 060 1414
Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford BD1 5US or call 0870 010 0583 or log on to
www.myequifax.co.uk
Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 4818 000 or log on to
www.experian.co.uk

Here at East Sussex Credit Union, we take your privacy seriously and will only use your personal information to process your loan application, administer your accounts and to provide the products and services you have requested from us.

However, from time to time we would like to contact you with details of other services and products we provide, and tell you about the work we are doing in the community.

We will never sell your data and we promise to keep your details safe and secure. You can change your mind about the above preferences at any time by visiting our website and completing the marketing preferences form in the member area. For further information on how we store your data please read our Privacy Policy on our website.

The default method of communication between you and East Sussex Credit Union will be by email. Using email helps us keep costs low and provides a more timely service to our members. If you do not have an email address, please select 'No' and we will contact you via other means.

Consent to use and Disclosure (Credit decisions and the prevention of fraud and money laundering)

Important Information Regarding Your Personal Information and Credit decisions and the prevention of fraud and money laundering (Credit decisions and the prevention of fraud and money laundering)
In order to process your application we will supply your personal information to credit reference agencies (CRAs) and they will give us information about you, such as about your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity.
We will also continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. CRAs will share your information with other organisations. Your data will also be linked to the data of your spouse, any joint applicants or other financial associates. We may use credit reference and fraud prevention agencies to help us make decisions. A short guide to what we do and how both we and credit reference and fraud prevention agencies will use your information is detailed in the section called: A condensed guide to the use of your personal information by ourselves and at Credit Reference and Fraud Prevention Agencies - see above. By confirming your agreement to proceed you are accepting that we may each use your information in this way.

If you are making a joint application with your partner, he or she must sign below.

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We will need to see 2 months bank statements to support your loan application, the quickest & easiest way to do this is via our trusted partner, consents.online. After you have submitted your application you will be provided with a link to their website.

Consents.online will connect to your bank safely and securely in order to provide us with 'read only' access to your bank statements. You will also be provided with a portal which you can use to see what information we and others have accessed. We are only permitted ‘read-only’ access. This means we can only see your bank transactions and nobody can make any changes or payments using your details.
The sooner we have this information, the quicker we can process your application

Alternatively you can send full bank statements for the past 2 months and proof of address by post or by emailing loans@eastsussexcu.org.uk, however the processing times for this are much slower.

Please note that ESCU may ask other questions or require additional documents before reaching a decision on your application.