Retrofit Loans
About our Retrofit Loans
Looking to make your home warmer, greener, and more energy-efficient?
Whether you’re planning to install insulation, double glazing, solar panels, or a heat pump, Wave Community Bank is here to help.
Our affordable, ethical Retrofit Loans are designed to support you in reducing your energy bills and carbon footprint—with flexible monthly or weekly repayments to suit your budget.
Let us help you invest in a more sustainable future for your home and your family.
Representative example: Borrowing £00.00 over Months will cost £00.00/month. Total amount repayable is £00.00 which includes interest at 42.6% APR. The figures given above are for illustrative purposes only and may not be the APR you receive. The actual interest rates and repayment amounts may vary subject to loan amount and status.
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£00.00
Representative example: Borrowing £00.00 over Months will cost £00.00/month. Total amount repayable is £00.00 which includes interest at 42.6% APR. The figures given above are for illustrative purposes only and may not be the APR you receive. The actual interest rates and repayment amounts may vary subject to loan amount and status.
Save money when you borrow with Wave Community Bank
Terms & Conditions
The actual interest rates and repayment amounts may vary subject to loan amount and status.
We will need proof of your income including any wages, self-employment income and benefits. Each loan application is assessed on an individual basis and takes into consideration a variety of factors including the affordability of the loan, previous savings and borrowing patterns with Wave Community Bank, credit history and so on. We will carry out a credit check as part of the loan application process.
If you require an AN1 as security for your loan the rate may be increased by an additional 1% APR
If you are over 70, read our policy for lending to over 70s here.
Representative Example
Borrowing £5,000 over 36 months will cost £166.11/Month. Total amount repayable is £5,979.96 which includes interest at 12.7% APR. The figures given above are for illustrative purposes only and may not be the APR you receive. The actual interest rates and repayment amounts may vary subject to loan amount and status.
"I would just like to say thank you for the service given to me. At the time no other bank would help me. I am now debt free and able to continue to save the money I was paying to my loan"-Member
Loan Repayments
You will be asked to make repayments by direct debit or through a payroll scheme. Repayments can be made in line with how you receive your income – weekly or monthly.
All our loans have a savings element to the repayments and these savings are held as collateral against outstanding loan balances. If you miss a repayment Wave Community Bank reserves the right to deduct the repayment from your savings.
If your circumstances change and you have problems meeting your repayments, please contact our credit control department. Failure to meet repayments could have a serious effect on your credit report.
All loans provided by Wave Community Bank are subject to status and our lending policy. Applicants must be aged over 18.
Wave Community Bank reserves the right to decline any application or offer a loan that differs from those advertised.
Opening Hours
Our phones are open Monday to Friday between 9.30am-1.00pm and we continue to monitor our emails between 9.30am to 4.00pm.
Contact Us
Phone: 0300 303 3188
Email: info@wavecb.org.uk
Face-to-face appointments at Hove Town Hall by arrangement only.
Addresses:
East Sussex, Brighton & Hove:
Tisbury Road Offices, Hove Town Hall, Tisbury Road, Hove, BN3 3BQ
Kent, Medway and Bexley:
39-48 Marsham Street, Maidstone, Kent, ME14 1HH
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Wave Community Bank serves members in East Sussex, Brighton & Hove, Kent, Medway and the London Borough of Bexley, plus members of Unite in the South East Region. Withdrawals over £5000 will take 5 working days to process
Wave Community Bank is a trading name of East Sussex Credit Union Ltd.Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. FCA Firm no 213910
