First Post Loans

This loan is for you if:

  • you are due to commence your first stipendiary post (e.g. curacy, first charge, probationer) in the next three-four months
  • you have significant expenditure to make before you start your new post
  • your present income is insufficient to apply for a personal loan from CMCU or elsewhere
  • your new post is with a denomination (see below) who will send us the repayment direct from your stipend
Use the sliders below to select the amount and term and calculate the repayments on a First Post Loan.

Select how much you wish to borrow


Select how long you wish to borrow the money for

Once you have selected the amount you would like to borrow, the results will appear below.

Your Loan Details

monthly payments of: £

Total repayment: £

Total interest: £ (APR: %)


We will also need you to send in your most recent bank statement showing around 6-8 weeks’ transactions and proof of your income, if you regularly use more than one bank account please provide statements for those accounts, too. Don’t worry if you have had unusual expenditure recently due to getting ready to start your ministry.

Click for Loan Application Form



Most online banking provides the facility to download bank statements as a PDF or a CSV file and these can be sent to us as an email attachment. If you usually receive paper statements these can be scanned or if you use a smart phone photographed and sent as an email attachment to

If you would prefer not to email bank statements, you may submit them by post to CMCU, 3 Beaufort Buildings, Spa Road, Gloucester, GL1 1XB but this may cause a slight delay to your application.



The First Post Loan is designed for members and those eligible for membership who are about to finish training to apply for a payroll deduction loan (usually for a car but we also accept applications for smaller items such as a course of driving lessons, furniture or a holiday) up to four months BEFORE the first payment of salary or stipend is due. Funds are disbursed immediately the application is approved, usually within one week of receiving the application form and all supporting information but you will not start actual repayments until you receive your first payment of salary or stipend, although interest will of course accrue in the meantime. 

First Post Loans are available if you are taking a stipendiary post within the following denominations:

  • The Methodist Church Of Great Britain
  • The Church in Wales
  • The Church of England
  • The Church of Scotland
  • The United Reformed Church

In order to assess your application we will also need:

  • Confirmation of your new post (letter/email from training incumbent, DDO, District Stationing Officer, Presbytery Clerk or similar) and your permission to contact them
  • Proof of your new address if not included in above
  • The date your new appointment will commence.

Remember – Non-Stipendiary or Self Supporting Ministers may apply for a personal loan from Churches’ Mutual at any time, see the quick link on this page (above right).

Registered Address

3 Beaufort Buildings, Gloucester, GL1 1XB

Call Us

01452 500 463 (9.30am -1.30pm)

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