5E LtdCreating a brighter future through training and learning A not for profit organisation addressing
poverty and disadvantage

How to apply for a loan

You can apply online or download an application form to send by post. After confirming your choice of course and meeting the course eligibility criteria, please ask us for a ‘Learning and Funding Information’ letter containing course information which you will need to make your loan application. Please note you will need an NI number before the loan can be paid but you can make the initial loan application without one.
Click here to visit the www.gov.uk site to download relevant application forms, guidance notes or complete your application online
You only have to repay once you earn more than £404/week, £1750/month or £21k/year. If your salary drops below this, you stop making repayments. Repayments are 9% of your salary – please see the table below for more information:
Annual Income before Tax Monthly Salary Monthly Repayment
Up to £21,000 £1,750 £0
£22,000 £1,833 £7
£25,000 £2,083 £30
£30,000 £2,500 £67
£35,000 £2,916 £105
The interest rate that applies to your loan is based on the RPI (retail price index) and can vary depending on your circumstances. The RPI is updated once a year.

Course Enquiry

Our Quality Marks


The Office for Standards in Education, Children's Services and Skills. The inspection and regulation of services that care for children and young people.

Investors in People Gold

Learner satisfaction and progress is only possible with a healthy staff team. For the 3rd time we have achieved this accolade and look forward to investing in your future

Apprenticeship Ambassador

Apprenticeships from Level 3 and above in Accountancy, IT, Business Admin, Customer Service, Leadership and Management.

Greenmark Quality

Our commitment to the environment has seen us consistently receive the Green mark Quality Mark as we minimise wastage of energy to protect our planet.

Matrix Standard

Matrix Standard is a unique quality standard for organisations to assess and measure their advice and support services, which ultimately supports individuals in their choice of career, learning, work and life goals

Our Funders