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Here are some of the most frequently asked questions (FAQ) about our loans.
When can I borrow?
If you are looking to borrow straight away we will consider smaller loans that are conditional on standing orders or wages/benefits being paid in to the credit union account. We may make conditions on these loans.
Are there any administration or set up fees?
No, we do not have any set up fees or administrative charges.
Can I repay my loan early?
Yes, you can repay your loan in full at any time without penalty. The interest is calculated daily on your reducing balance, so as your loan balance decrease, the amount of interest due also decreases. Even if you just add an extra payment occasionally, this will reduce the amount of interest you pay.
How do you calculate interest?
We do not front load interest at the start of a loan. Instead, interest is calculated on a daily reducing balance basis. As a result with each repayment you make, the interest which has accrued since your last repayment is cleared and your loan balance reduces. Interest will then be calculated on the reduced balance. As your loan progresses your balance will continue to reduce and you will therefore pay less interest. We believe this to be the fairest way to charge interest.
Do you use credit scoring or credit reference agencies?
Yes, we use Experian as part of our automated lending tool. If you take a small loan from Rainbow and successfully repay the loan on time this can help to repair your credit score.
What if I am having difficulty in repaying my loan?
We realise that things happen that make it difficult to keep up with repayments. The most important thing is to keep in touch. We can always look at rescheduling your loan if your circumstances change. As you are borrowing from your local community we are obliged to protect all of our members. We do take people to court to ensure that money is repaid.
What do you mean by Rainbow Saver is a responsible lender?
At Rainbow Saver we have a duty of care to our members when it comes to lending. We give every loan application we receive careful consideration and make a decision based on the income, expenditure and overall ability to repay the loan. We have a duty to each applicant to ensure that any loan approved, does not result in them facing difficulties and a struggle with repayments. If we reject an application, this will be following an assessment of the application by our Loan Officer. A loan refusal simply means that on this occasion we feel unable to offer the amount of loan that has been requested. In some circumstances we may offer a reduced amount.