Products and Services

Our commitment to you

As a community co-operative Hoot is committed to offering products and services that help members manage their money and build up a history of good money management. When you take a loan with us you become a Hoot member. Being a Hoot member means you are part of a community that encourages good money management, active saving and responsible borrowing.

Our commitment to you

  • We aim to provide the best level of service we possibly can.
  • We will lend responsibly and provide products that suit your needs and that you can afford.
  • We will treat you as an individual and ensure that your own circumstances are taken into account.
  • We will provide information about our products and services in a clear and understandable way, so you can decide what is best for you.
  • We will always aim to assist you if you find yourself in financial difficulty and find a solution that helps you to find a way to repay your loan.

Your commitment to us

  • You will always ensure that you can afford to repay your loan by reading all the information and asking questions.
  • You will pledge to save as much as you can afford whilst repaying your loan.
  • You will make your loan repayments on time, using a payment method agreed when you sign your loan agreement.
  • You will tell us as soon as possible if you find you are struggling to repay your loan.
  • You will ensure that you tell us of any change of contact details or change of circumstances.


It is important also that you contact us if you are struggling to pay your Hoot loan. Getting help and support is the best way to relieve the stress of money worries.

Here is some useful information that will help you to make the right financial choices and manage your money better.