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Frequently Asked Questions

Why was my loan application rejected?

All loan applications are subject to creditworthiness and affordability checks. We are unable to provide specific details on why one of the credit unions we work with declined your application.

 It may be because:

•    You do not meet the lending criteria of the credit unions we work with 
•    They cannot confirm the accuracy of the information you gave when you applied
•    Your information has changed since you applied

You can get a copy of your credit report and check if there are any errors, by requesting a copy of your report for free from TransUnion, Experian or Equifax

 You can understand more about how credit reference agencies collect and use your information here: Credit Reference Agency Information Notice (CRAIN).

If you are experiencing financial difficulty or want advice on managing your money you can visit the MoneyHelper website where you will find help with the cost of living, dealing with debt, money problems and complaints, and scams. You can also get in touch with MoneyHelper by phone on  0800 138 7777. 

MoneyHelper offer support in English and Welsh, with lots of resources available in different formats. This includes online content, printed guides, webchat, WhatsApp, and face-to-face meetings through the MoneyHelper funds program.


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Our dedicated customer service team is here to listen and support you throughout your financial journey with us.

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My Community Finance

Giving savers and borrowers access to ethical lenders such as credit unions through the Community Finance Network. For you. For everyone.

My Community Finance is a credit broker, not a lender. My Community Finance is the registered trading name of Amplifi Capital (U.K.) Limited [Amplifi] with UK company number 08641995 and registered address 30 Churchill Place, Canary Wharf, London E14 5EU. Amplifi Capital (U.K.) Limited is authorised and regulated by the Financial Conduct Authority with FRN 718749. Amplifi Capital (U.K.) Limited is registered with the Information Commissioner’s Office with registration number ZA040320. Amplifi Capital (U.K.) Limited partners with the Community Finance Network; the Community Finance Network is a group of credit unions and CDFIs committed to providing fair and ethical loans. Participating credit unions are authorised by the Prudential Regulation Authority (Bank of England) and regulated by the Financial Conduct Authority. Participating CDFIs are regulated by the Financial Conduct Authority. Their respective details, including registration numbers with both regulatory bodies, can be found on the Community Finance Network website. CCTA Membership Number CCTA1265. 

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