If you are looking for an affordable loan, with repayments especially tailored to suit your financial circumstance – look no further than a PCCU loan.
At Pennine Community Credit Union we have provided a safe place to save and affordable loans since 1982
Pennine Community Credit Union Ltd (PCCU) is an ethical, not for profit financial co–operative serving the local community with saving and loan facilities.
As a co-operative everyone who opens an account with PCCU becomes a member and shareholder. As a shareholder you become a part owner of PCCU.
PCCU helps people's finances be removed from the commercial arena, where profit is the name of the game, back into the community where YOU are the owner and beneficiary.
We keep YOUR finances in YOUR community.
Get in Touch
FREE Life Insurance on Savings & Loans
Saving with PCCU includes the additional benefit of Life Savings Protection, which can be a real financial comfort to your loved ones should you die.
Apply for a Loan
Qualifying for membership To be eligible to join Pennine Community Credit Union, you need to e aged 18 or over and meet the following conditions...
Loans
If you are looking for an affordable loan, with competitive interest rates and repayments especially tailored to suit your financial circumstance – look no further than a PCCU loan.
PCCU has provided over £90 million in loans to the community over the past 40 years. As we are a co-operative you can be assured that loans are designed purely for the benefit of account holders and not external shareholders.
You can apply today online, or contact a member of staff to talk about and arrange a loan application. There are NO requirements of loan applicants already being account holders, savers or previous borrowers. There are many benefits to a PCCU loan;
- Rates between 12.7% APR – 42.6% APR on the decreasing balance – so the interest is always reducing
- Loan decisions by people not computers
- NO setup fees
- NO late payment penalties
- NO early settlement penalties
- By carefully assessing each applicants personal circumstance, we make loan decisions on affordability and tailor repayments to suit you
- FREE life insurance (subject to rules), so in the event of your untimely death your loan would be paid off.
- Even if you already have a loan, you can still apply for a top up loan
Ethical Savings
PCCU is a financial co-operative which is owned and run by account holders. PCCU helps to remove people's finances from the commercial arena, where profit is the name of the game, back into the community where YOU are the owner and beneficiary. We keep your finances in your community.
PCCU is run solely for the benefit of account holders. You can save as much or as little as you can afford, as frequently as you wish, saving is easy and flexible with many ways to deposit.
Saving made simple
Become a Member
To be eligible to join Pennine Community Credit Union, you need to meet the following conditions: Be aged 18 or over and live or work in eligible boroughs or meet other conditions outlined on our joining page.
- Access to affordable loans
- Easy & safe way to save
- Accounts covered by FSCS
- Online balances, withdrawals & loans
- Established & reputable
- Free life insurance (subject to rules)
PCCU is a fantastic service to our community! I would give 10 stars if I could! Just brilliant.. Thank you to all at PCCU.. I can't credit you guys enough! Always helped me out when I've really needed it! Thanks again!
Great customer service . Helpful and efficient . The team contact you straight away and help with any problems. A quick form and your balls rolling
The pccu are a godsend they look after everything so well. It gives me peace of mind that should I need something there's someone there to help they don't push you into things you can't afford they are genuine caring and so nice to deal with
amazing team and so helpful fast and great customer service I been with these a good few years now never had a problem 😀
I have always had fast responses from PCCU. They answer any questions in a timely and professional way. The service is always fast and the team are very helpful. Would always recommend!
Class service & very helpful.Easy to set up and account and the staff are very friendly and accommodating.Would recommend always.
A brilliant service always quick and very friendly do there best to help you every time
Great people, great service and always kind and helpful. Highly recommended
Absolutely brilliant. Can't recommend them enough. They've truly helped me out of a few spots on my time and I've had nothing but professionalism and excellent customer service
Fantastic customer service. Very friendly staff and quick to respond. Very easy to do and not stressful what's so ever. Will definitely use again 😊
Excellent customer service fast and reliable, the app is so easy to use and communication is great. Highly recommended
I've found this very helpful in more ways than one excellent service every time a great bunch off people
Excellent customer service fast and reliable they always help me out when I've needed them. Highly recommended
The app makes this great and really easy to do and the staff are really quick to respond, it’s an amazing service I’ve been using it for years now
Such an easy friendly service to use, the app is straight forward.Get through to someone to talk to is instant and the staff are so friendly and helpful
I was very sceptical at first about being approved for a family loan due to bad credit history. When I was approved the process was very smooth and the staff were very friendly and supportive. I have been with Pennine Community Credit Union for a few years now its affordable and I have never looked back.
Grear, fast, efficient and valued service with low interest. Also you save money.. Ive been a customer for over 3 years and very happy therefore I highly recommended Pennine
Excellent service when you need anything excellent staff who are on hand to help would recommend this company to anyone who needs help financially
Brilliant service! Amazing staff that are there to listen to you and treat you like a real person, something that many financial institutions have stopped doing now. They actually talk to you, and listen. The savings and loan products are fabulous and they have so many options available. I would definitely recommend the PCCU.
Really good company. Very polite and helpfull. Been useing them over a year now and could not be much greatfull
Excellent service and advice. Really nice and helpful staff. Highly recommend
Brilliant service as always... really helpful all the time.. and always helps my family financially.. definitely a 5 ⭐ rate 👌
Definitely the best place to go to if your looking for a child benefit loan or just a loan.Also they encourage savings and have lots of help to save for christmas ect.I was previously with another company and changed to PCCU and it was the best decision they are lovely kind people they definitely go above and beyond every single time.
Very helpful never had anything bad to say about them, get processed within a few hours, great customer service recommend to everyone else
Very friendly staff. The app is brilliant. Especially for those with anxiety ect that struggle to face strangers in a office. Always quick reply and always explain in detail if you don't understand something. I love the savings accounts idea I will be using mine this Christmas so much better than park vouchers
Clear and concise advice from helpful staff. Easy to arrange all aspects of finance. A refreshing and pleasant experience every time.
Omg I never thought I would actually give a company a 5 star rating in my life I needed a new cooker because ours is broke and they've helped me massively and took a Huge weight off my shoulders thankyou pccu
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