Lancashire Community Finance
Call: 0344 561 1292


Total financial support and guidance…

Lancashire Community Finance provides a range of affordable loans to individuals and businesses in North, West and Central Lancashire. These include:

Personal Loans
Available to individuals from £400 up to £5,000, over terms of 6 months to 5 years, on a weekly or monthly repayment plan by direct debit.  Interest rates available on request. LCF does not provide ‘cash loans’. The loan will be paid into your bank account and the repayments collected by direct debit. If you do not already have a bank account we can help you to open one.

From April 2015 it has been necessary to introduce an administration fee of £20 to cover our increased processing costs on all personal loans we agree below £1000. This fee can be added to the loan or paid when the loan is drawn.

Start-Up loans
Available to budding entrepreneurs who have plans for a business or are already running a business under 24 months old. Loans from as little as £500 over terms of 1 to 5 years, at a fixed APR of 6%. With no fees to apply and a straightforward process, register your details today at Start Up Loans, or click here for more information.

Home Improvement Loans
Available to homeowners in Preston to carry out  improvements and refurbishments such as central heating, kitchens, bathrooms and windows. Variable repayment terms, interest charged at a fixed APR of 9.9%.

Business Loans
Available to existing or new businesses outside the Start Up Loan criteria for amounts up to £25,000. Variable repayment terms from 1-5 years. Repayments collected weekly or monthly by direct debit. Interest rates available on request.

Financial Education and Money Management
Available to groups or one to one. Sessions are tailored to the needs and lifestyle of  individuals, often in an informal setting to provide the knowledge, skills confidence and motivation to manage  money well. This includes understanding financial products and having the confidence to use them.


Latest news

In light of the latest Government advice on COVID-19, our Preston and Skelmersdale offices will be closed to visitors from Wednesday 18 March. Our staff continue to work from other locations and all remain available during our usual hours Monday-Friday 9am-5pm. You'll still be able to reach us on our main number 01772 556877 and email For Start Up Loan queries, call 01772 205031 or email