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When you borrow from Sovereign Credit Union you can only have one loan at a time. However, loans can be topped-up. This is when you apply to borrow more and include refinancing your existing loan.

In most cases you can apply for a top-up 3 months after your existing loan's start date. 
Top-ups are offered subject to status and are not guaranteed. 

Please contact us to enquire about a top-up.