While it’s still, just about, possible to live your life without access to a car, it is probably more difficult than it’s ever been. Whether you need it for travelling to and from work, ferrying the kids around or simply bringing the shopping home from the supermarket, the chances are you’d find it pretty difficult to get by using only public transport.

 

Whether you choose a new or used car, we provide Car Loans up to £15,000

Anyone who borrows from PCCU is expected to save into a savings account as they make loan repayments. These savings build up and act as collateral against the loan. They are fixed against the loan balance and can only be accessed once the borrower has fully repaid the loan or the loan balance is lower than the savings balance, when the borrower is allowed to take out the difference. You are welcome to save for holidays, Christmas or any of life’s little luxuries additionally at the same time as repaying your loan but that is optional.

Of course, dealers will often offer finance deals on their vehicles and while we can’t guarantee that our terms will be better 100% of the time, what we can say is that it’s worth taking the time to find out. That’s the challenge we throw down; if you want to spend more than £3000 on a car, compare the terms offered elsewhere to the terms at our credit union, and we’re pretty confident that what we provide will prove highly competitive.

Many garages and dealers, for example, offer finance which starts at 12.9% Representative APR, which is more than we’ll charge for a loan of over £3000. The word ‘representative’, what’s more, means that the rate in question only has to be offered to 51% of applicants. With us, on the other hand, the rate we quote is the rate you pay, every time.

Apply online today or pop into one of our three branches found in Nelson, Colne and Burnley. If you require any further information contact us today.

Above all, we keep things simple; when you take out a car loan with us, you pay for the car and you own it outright from day one.