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Season ticket loans

Last reviewed on 20 July 2018

If you're a Co-op colleague, you can get an interest-free loan to buy an annual season ticket for trains, buses, trams and car parking.

You can also get discounts on Manchester public transport and parking.

Check if you're eligible for a season ticket loan

You can apply for a season ticket loan if you’ve been a Co-op colleague for at least 13 weeks.

You can borrow up to £5,000.

You'll pay the loan back directly from your salary in the next 10 paydays after you receive the loan.

If you leave Co-op (including through TUPE transfer) before you pay off the loan, you will have to repay the outstanding balance in full.

Apply for a season ticket loan

Sign in to MyHR and:
1. Select 'Benefits'.
2. Select 'Change benefits elections'.
3. Select 'Continue' on the 'People I plan to cover’ page.
4. Accept the terms.
5. Select ‘Season Ticket Loan’.
6. Enter the amount you want to borrow and select ‘Next’.
7. Check the details are correct and select ‘Submit'.

Once your loan is approved, the money is paid directly into your bank account on the next available payday. Check when your loan will be available on the payroll loan calendar.

You must send valid proof of purchase (like a copy of your pass and ticket with your name on it) to within 30 days of receipt of loan.

If you don’t send this proof, your loan will be reversed.

If you need more information

Email the HR Benefits team at