If you are looking for an affordable loan, with repayments especially tailored to suit your financial circumstance – look no further than a PCCU loan.
Welcome to Pennine Community Credit Union Ltd (PCCU)
Pennine Community Credit Union 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.
Join/Apply
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 £50 million in loans to the community over the past 36 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 1% and 3% interest per month on the decreasing balance (12.7% APR – 42.6% APR) – 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)
Latest News from our Blog
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The majority of 20-30 year olds have no savings in the UK
Worrying figures suggest 53% of millennials, aged between 20-30 year old have no savings in the UK. The latest figures from the Office for National St...
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We Provide an Ethical Alternative to Logbook Loans
You may have heard of logbook loans. They are a form of borrowing in which a lender offers money in return for you putting your car up as security on ...
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Our Small Loans Can Help You Out
Here at PCCU, we like to be there for our account holders whenever they need us. If you need to replace your kitchen, for example, or buy a car, you c...
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