season ticket loans

1. Scope

All Church Action on Poverty staff are entitled to apply for an annual interest free season ticket loan as long as their contract of employment is for a period which exceeds the expiry date of the ticket (i.e. a minimum of twelve months) and their net monthly pay is sufficient to cover the deduction of the loan. A loan must not exceed a member of staff’s normal net monthly salary.

2. Policy

Season ticket loans are available for the sole purpose of purchasing an annual season ticket for use in travel from home to work. The season ticket will cover relevant public transport costs but not any other costs of travel, for example car parking. Use of the loan for any other purpose could lead to disciplinary action.

3. Application procedure

Fill in the season ticket loan application form and get it signed off by the Programme Manager who will pass the authorised form to the Finance Officer who will issue the loan.

4. Repayment

Once the salary advance is made, it will be deducted by 10 equal installments commencing with the salary of the month following that in which payment was made. In the event that a member of staff leaves before the loan is paid off the full outstanding amount of the loan will be deducted from their final month’s pay.

5. Terms and Conditions

  • Application for a loan to purchase an Annual Season Ticket for travel between home and the place of employment will only be made to a staff member whose contract of employment or external funding is not due to end before the expiry date of the ticket.
  • To be eligible for a loan both full time and part-time staff must have sufficient net pay to cover the monthly deduction of the loan.
  • No further Season Ticket loan will be made until the respective season ticket loan has been discharged.
  • The loan will normally be recovered from salary payments over a ten month period commencing with the pay period following the date of the loan.
  • In the case of termination of employment before the loan has been repaid, the outstanding balance will be recovered from the final salary payment.
  • In the event of loss of ticket it is the borrower's responsibility to effect replacement. Recoveries from salary payments will continue until the whole loan has been cleared.
  • Church Action on Poverty reserves the right to refuse Season Ticket Loans to individuals at its discretion and the existence of this scheme does not confer any right to loans or advances against salary for other purposes.
  • Church Action on Poverty reserves the right to inspect Season Tickets upon request at any time during the year. Where no season ticket can be provided upon such a request, the outstanding loan will be deducted in full from the next available salary.

Church Action On Poverty, Unit 28 Sandpiper Court, Water’s Edge Business Park, Modwen Road, Salford M5 3EZ

Telephone 0161 872 9294 or email

Registered charity number 1079986. Company limited by guarantee, registered in England and Wales, number 3780243.

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