Fern Credit Union

Eligibility Criteria

Can you Join

Getting started

All about you

Verification Checks

Identification and Credit Check

Loan

Your application

Income

Your Money

Expenses

How much you spend

Confirmation

Review and join

Are you living, working or studying in the Belfast or the Greater area?

Are you aged 18 or over?

I am not subject to a Bankruptcy Order, Debt Relief Order or IVA?

Are you permanently employed?

Do you receive any of the following benefits?
Child Benefit, PIP, Pension Credit, DLA, Carers

Are you employed by any of our payroll partners? Please select from the drop down.

We 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 use your information is detailed in the leaflet called "A condensed guide to the use of your personal information by ourselves and at Credit Reference and Fraud Prevention Agencies". If you would like to read the full details of how your data may be used please visit our website www.fernsoftware.com or ask a member of staff for details.

Title

First name

Middle name

Surname

Gender

Date of birth

National Insurance Number

1st Line of Address

2nd Line of Address

City

County

Post code

Period at this address

Address

City

County

Post Code

Status

Employer

1st Line of Address

2nd Line of Address

City

County

Post Code

Phone

If you are applying online, we require you to provide us with your current mobile number and email address. If you do not have either of these, you can still apply, however you will need to contact a local branch to complete your application.

Mobile phone

Home phone

Email address

Confirm email

Number of Dependants

I hereby nominate the person or persons as detailed below to whom there shall be transferred such property in the credit union (whether in shares, loans or deposits or otherwise, including any CU Life Saving Insurance) that may be mine at the time of my death. I understand that the maximum amount provided for under nomination is £5,000 and any residual balance in my account shall be paid to my legal Personal Representative(s).

Beneficiary name

Relationship

Address

Post code

As the person to whom there shall be transferred such property in the Credit Union as may be mine at the time of my death.

Member signature

I pay my income tax in

Identity number

We are registered as a data controller with the Information Commissioner's Office (ICO) reference Z5075264. Your data will be held securely and used for the purpose of managing your account with us in line with our Privacy Statement a copy of which is attached for your use and can also be obtained from any branch. We will not share your details with other firms for marketing purposes, but your details will be shared with Credit Reference Agencies for affordability and performance assessment, for debt recovery and crime or fraud prevention or where legally required to do so. We may also use information for reporting to funders or those for whom we provide services, but such information will be anonymised and will not personally identify you.

I acknowledge that Fern has provided me with a copy of the data protection and privacy policy. Click here

I acknowledge that Fern has provided me with a copy of the FSCS protection document. Click here

This process provides a faster decision as it uses automated decision-making in line with Fern Software policies. By ticking the Yes box you give your consent to this. If you prefer to have a member of staff assess your application manually, then tick the No box and you will need to call into a branch with the required documents and the process will take a little longer.

Yes, I confirm that I am happy for an automated decision and would like to proceed with the application.

No, I would prefer to apply in Branch and end this application.

I understand and give consent for the credit union to run an Identification check

I understand and give consent for the credit union to run a credit check

I understand that I will need to give consent for Open Banking to check my affordability for the loan I am applying for. You will receive an email once you have completed your Join & Borrow application. Unfortunately your loan will not be processed if you do not provide open banking consent through the email.

	This loan calculator is for illustrative purposes only; the figures listed are representative and not guaranteed.
I would like to borrow
Over this length of time
Lifetime Savings Weekly Repayments £4, Fortnightly Repayments £8, Monthly Repayments £16	£	Build up your savings as you repay your loan
Interest rate

	Payments (£)	Interest Payable (£)	Total Payment (£)
How often would you like to make payments? Monthly Fortnightly Weekly	£	£	£

How often would you like to make payments? Monthly Fortnightly Weekly

Payments (£)	£
Interest Payable (£)
Total Payment (£)

This is the account that we will pay the money to if your loan application is successful.

Account number

Sort code

Benefits

Payroll deduction

Standing order

Debit Card

Employer

Payroll number

Deduction amount

£

Monthly pay date

Start payroll deductions on

I authorise Fern to arrange deductions from my wages or salary as set out above beginning from the first possible pay day until instructed otherwise. I authorise Fern to be notified of my leaving or termination of employment date.

Please select a benefit

Monthly Wages

£

Other Monthly Household income ( Keep, Partners Contributions )

£

Name

Amount

£

Council Tax

Mortgage/ Rent/ Keep

TV, Internet and Mobile and Landline phones

Gas & Electric

Water

Enjoyment ( Eating Out/ Takeaways, Socialising)

Groceries and Housekeeping

Insurance ( Life, Car, Home, Pet or Appliance)

Retail ( Include clothing and home)

Travel Or Fuel

Childrens Activities ( Including Child Care)

Catalogues

Store Cards

Company name

Card limit

Card balance

Average monthly repayments

Company name

Amount owed

Monthly repayments

Income	Expenses	Loan Repayment	Difference

Type	Amount	Payments	Interest Payable	Term	Interest	Total Payable	Comments
Starter Loan							The amount shown is for display purposes only. The actual amount approved is up to the discretion of FCU and subject to assessment and affordability.

From time to time we like to contact you, maybe to send out newsletters to keep you informed of what is happening within your credit union or to let you know about new products and services. This is entirely optional so for this we require your consent. You can withdraw your consent at any time simply by contacting us and letting us know that you do not wish to be contacted in this way.

If you are happy to receive contact from us, please indicate your consent by ticking the appropriate boxes:

Phone

Email

Text message

Post

I declare to the best of my knowledge and belief that:

I am in good health

I am not in good health

I declare to the best of my knowledge and belief that:

I am fit to follow my normal occupation

I am not fit to follow my normal occupation

If not fit or in good health, please give details. (50 Characters Max)

How did you hear about the credit union?

I hereby apply for membership of and agree to abide by the rules of Fern Software. I declare that the information given on this form is true and accurate to the best of my knowledge. I understand that my main account must hold a minimum of £1.00 at all times. I agree that the personal information on this form and other information collected and held by the credit union, can be stored on paper or electronically. All information is held in accordance with the principles of the GDPR & 2018 Data Protection Act, and in the strictest confidence.

I hereby declare the above information is true and agree to the terms and conditions of the credit union. Click here

Thank you for your loan application, please do not submit another application until you hear back from us. You will receive an email to confirm we have received your application. Please check your junk email if it does not appear in your inbox. Fern Online Team

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Thank you for your loan application, please do not submit another application until you hear back from us. You will receive an email to confirm we have received your application. Please check your junk email if it does not appear in your inbox.

Personal information

Where you live

Previous Address
We require your previous address because you have told us you have lived at your current address for less than 3 years

Employment

Contacting you
Please provide the information below so that we can contact you regarding your account

Dependants

Beneficiary
In the event of my death, I nominate as the person to whom there shall be transferred such property in the Credit Union as may be mine at the time of my death.

Overseas residents
If you reside outside the UK, please complete the boxes below as we are obliged to obtain details of where you pay your tax for HMRC.

Data protection

Identifaction and Credit Check

Open Banking Consent

Loan amount
How much money you are applying for

Banking

Paying in

Income
Please specify your total income on a monthly basis

Benefits
Please note we only accept the above benefits. These benefits must be paid into your bank account.

Total income

Expenditure
Enter your monthly expenditure on the following types of expenses. If they do not apply to you, enter 0 as the amount.

Monthly expenses

Credit Commitments

Credit cards
List of any credit/store cards

Lenders
List of current outstanding loans, hire purchase and finance agreements (e.g. buy now pay later)

Income and expenses

Review your application
Please ensure all information is correct before submitting your application

Starter Loan

Communication consent

Health declaration
For the purposes of this loan application we would ask you to declare the following :

Additional information
Just one more thing:

Terms and conditions

We've received your application

Application reference number:

Keep up to date with our latest news

We've received your application

Application reference number:

Are you, or have you ever been a member with Fern Software?

As you have already had membership with Fern Software please contact us via our email address support@fernsoftware.com to further your enquiry. Thank you.

Unfortunately, from the information provided and the checks we have carried out we are unable to offer you a loan at this time. Thank you.

Personal information

Where you live

Previous Address We require your previous address because you have told us you have lived at your current address for less than 3 years

Employment

Contacting you Please provide the information below so that we can contact you regarding your account

Dependants

Beneficiary In the event of my death, I nominate as the person to whom there shall be transferred such property in the Credit Union as may be mine at the time of my death.

Overseas residents If you reside outside the UK, please complete the boxes below as we are obliged to obtain details of where you pay your tax for HMRC.

Data protection

Identifaction and Credit Check

Open Banking Consent

Loan amount How much money you are applying for

Banking

Paying in

Income Please specify your total income on a monthly basis

Benefits Please note we only accept the above benefits. These benefits must be paid into your bank account.

Total income

Expenditure Enter your monthly expenditure on the following types of expenses. If they do not apply to you, enter 0 as the amount.

Monthly expenses

Credit Commitments

Credit cards List of any credit/store cards

Lenders List of current outstanding loans, hire purchase and finance agreements (e.g. buy now pay later)

Income and expenses

Review your application Please ensure all information is correct before submitting your application

Starter Loan

Communication consent

Health declaration For the purposes of this loan application we would ask you to declare the following :

Additional information Just one more thing:

Terms and conditions

We've received your application

Application reference number:

Keep up to date with our latest news

We've received your application

Application reference number:

As you have already had membership with Fern Software please contact us via our email address support@fernsoftware.com to further your enquiry.

Thank you.

Unfortunately, from the information provided and the checks we have carried out we are unable to offer you a loan at this time.
Thank you.

Previous Address
We require your previous address because you have told us you have lived at your current address for less than 3 years

Contacting you
Please provide the information below so that we can contact you regarding your account

Beneficiary
In the event of my death, I nominate as the person to whom there shall be transferred such property in the Credit Union as may be mine at the time of my death.

Overseas residents
If you reside outside the UK, please complete the boxes below as we are obliged to obtain details of where you pay your tax for HMRC.

Loan amount
How much money you are applying for

Income
Please specify your total income on a monthly basis

Benefits
Please note we only accept the above benefits. These benefits must be paid into your bank account.

Expenditure
Enter your monthly expenditure on the following types of expenses. If they do not apply to you, enter 0 as the amount.

Credit cards
List of any credit/store cards

Lenders
List of current outstanding loans, hire purchase and finance agreements (e.g. buy now pay later)

Review your application
Please ensure all information is correct before submitting your application

Health declaration
For the purposes of this loan application we would ask you to declare the following :

Additional information
Just one more thing: