You must live or work in North Essex, Norfolk, Suffolk or Cambridgeshire, and have joined our Credit Union. Join Here You can then apply for a Home Improvement Loan through our Members Area. You can log into the Members Area the same day you join Eastern Savings & Loans. We will send you all you need to know when we confirm your membership. For more information on the Members Area, please click here. We are unable to offer loans to anyone who is currently bankrupt, in a DRO, IVA or Debt Management Plan. We are also unable to lend if you have undressed CCJs or have defaulted on current credit within the last 12 months. Please ensure you complete the Income & Expenditure form, we need to ensure the repayments are affordable based on your current financial situation.