It may seem like jumping the gun since the kids have just gone back to school, but there’s really no getting away from the fact that Christmas isn’t that far away. For many people, the financial burden of Christmas is something which starts to be felt many months before, with gifts being bought in advance and money put to one side. Here at PCCU we understand that those on lower incomes find Christmas more difficult to deal with than most, and that’s why we’re happy to offer Christmas loans for bad credit.

If you’re already struggling to make ends meet then the burden of Christmas, with its tradition of extra food and drink and gifts for one and all, can be especially difficult. We understand this, and we feel it’s only right that our account holders should have as much of a chance of enjoying Christmas as anybody else.  That’s why our Christmas loans for bad credit are offered on the basis of what we think you can afford to borrow now, rather than what might have happened in the past.

On many occasions, a bad credit rating may have been caused by borrowing from a source such as a payday lender and then falling behind with the high interest repayments. For some people, it might even be caused by the fact that they haven’t borrowed money very often in the past. That’s why we offer Christmas loans for bad credit to our account holders, dealing with each application on its merits and only setting up a repayment plan which we’re confident you’ll be able to meet.

When you apply for a loan from PCCU you’ll be dealing with an individual rather than some remote call centre, and, even more importantly, you’ll be borrowing from an ethical lender. Being an ethical lender means that we don’t lend money to make a profit or pay out dividends to our shareholders. We’re a not for profit organisation and any money we do generate is used to improve the community around us.

The fact that we don’t have to pull in a profit means that we can offer loans at extremely reasonable rates of interest. It also means that the best rates we offer are the only rates we offer, available to every single borrower, and our loans arrangements don’t feature any small print, added fees or extra charges. Once you’ve made an application for a loan and provided all of the information required, we’ll do our best to give you an answer within two working days and even sooner if possible. If we decide to lend the money then it will be paid into your bank account instantly by direct transfer.

If you’d like to be able to pay for Christmas in a manner which won’t leave you worrying about clearing your debts or having to borrow more in the New Year, then get in touch to ask us about our Christmas loans for bad credit. We like to think that the season of goodwill includes helping to make sure that all PCCU account members get to enjoy the kind of Christmas they and their families deserve.