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Interest free loans for bus and train tickets

Why not spread the cost of your journey to and from work with an interest free loan for selected annual bus and train tickets with selected local operators?

If you're a regular bus or train user you may already be using some kind of saver ticket for the daily commute.

But you could also benefit from extra savings if you sign up to buy an annual season ticket through our interest-free loan scheme, where the cost of the ticket is deducted over 12 months – an agreed payment being taken from your monthly pay packet.

East Midlands Railway offer a 10% discounts for new applications and a 5% discount for renewals. The price you're quoted is the price you'll pay for your ticket purchased through the interest-free loan scheme.

To check out the cost, first you need to decide how and who you want to travel with. Not all bus and train operators are taking part in the scheme. Those that are, are listed in the registration form.

Once you've added your personal details and submitted the form it'll be processed through payroll.

A new application is required to renew a ticket, but operators don't offer the same discount for renewals.

For more information about the interest-free loan scheme or any of the other payment options contact the sustainable travel team, email

Terms and conditions apply. Please ensure you read the terms and conditions of the relevant operator.

Get an interest free loan for bus and train tickets