Need a Little Extra Help?
Try our first choice loan for anyone living or working in a B postcode.
At Advance Credit Union, we understand that sometimes life throws unexpected expenses your way. That’s why we offer the Helper Loan/First Choice Loan, a quick, affordable, and responsible loan designed to support anyone living or working in a B postcode area such as Birmingham, Bromsgrove and Tamworth.
What is a Helper Loan?
Our Helper Loan is ideal for small, urgent financial needs like:
- Covering unexpected bills or emergencies
- Paying for essential household items
- Managing short-term cash flow gaps
- Helping with Christmas expenses
Why choose this loan?
Our Helper loan or otherwise known as our First Choice Loan is designed for members and non members. Meaning you can apply even if you aren’t a member yet.
✅ Quick and Easy – Most approvals in 1–2 days, so you get the money when you need it.
✅ Affordable and Fair – Competitive APR starting at 12.9%, with no hidden fees.
✅ Flexible Amounts – Borrow between £200 and £1,000 to suit your needs.
✅ Open to All – No employment requirement. Just live or work in Birmingham or a B postcode.
✅ Tailored Repayments – Flexible repayment plans designed around your budget.
Note: The Helper Loan is the name we use for our popular First Choice Loan for this specific support offer.
Hear from our members
Ana
“Accepted me for a loan when no one else would, super affordable rates too, such a genuine team that are willing to help and look beyond just your credit score.”
Louise
“I am so grateful of this place, I applied for a loan this morning and an offer was made to me 2 hours later. The staff go above and beyond to help you and are so understanding. Thank you so much”
Cara
Trisha
“I’ve had 3 loans from ACU and each time it’s been a simple process and I’ve been able to pay it back easily and also save money which I have never been able to do before thank you so much ACU! Definitely recommend to anyone struggling.”
Hayley
“I find when you need help with a loan their really supportive and friendly, I’ve been stuck a few times and also rates are good too.”
Clare
“Best loan place in town . Good for savings to . Lovely staff in the Erdington branch . Highly recommended for any one looking for a loan or to help you save”
How to apply?
- Check your eligibility: Are you living or working in Birmingham’s B postcode?
- Apply online or in person: Our friendly team is here to guide you through the quick application process.
- Get a decision fast: Most loans approved within 1–2 days.
- Receive your funds: Use the money for what you need most.
Note: The Helper Loan is the name we use for our popular First Choice Loan for this specific support offer.
How long does it take to get a loan approval?
Most of our loans are processed within 1 – 2 days but we do ask to wait within 7 days.
Become a member!
Support the credit union (not for profit) it’s free
Whether you’re living or working in Birmingham, you can apply to be a member of Advance Credit Union for Free and start saving.
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