Here at PCCU we understand how difficult it can be for some of our members to budget for Christmas. In an ideal world it would be possible to put money aside throughout the year and build up a fund for gifts, food, drink and so on, but we understand how hard this can be. We don’t offer “Christmas loans no credit check”, but we do make it easier for our account holders to borrow money. We think our account holders have got just as much right as anyone else to enjoy a stress free Christmas period, and we offer the loans that can help to make that happen.
We operate as ethical lenders, and that means that we don’t make a profit from lending money to our account holders. We’re run as a co-operative, so we don’t need to generate dividends to pay to shareholders, or bonuses to make our executives happy. That means that our “Christmas loans no credit check” are offered at the kind of guaranteed low interest rates that our account holders can afford.
As well as being affordable, our rates are completely transparent. We don’t put hidden fees or extra charges in the small print, and the low rates we charge are available across the board. Unlike some lenders, we don’t advertise one rate and charge another, so what you see on our posters, leaflets and websites is absolutely what you get.
Giving “Christmas loans no credit check” is irresponsible, which is why we do run some checks but we also make it easier for our account holders to borrow money. We get to know you as an individual, and work with you to create a loan package which will meet your needs and which we’re sure you’ll be able to repay. Our aim is for our account holders to be able to fund the kind of Christmas they want, without having to spend the first half of the New Year feeling stressed about repaying their debts.
Once you’ve applied for a loan with us, we’ll try to make the decision as quickly as possible. If you provide all of the information we need we’ll aim to reach a decision within two working days, and sometimes by the very next day. Even better than this is the fact that any loan we approve will be transferred instantly into your account. That means you can relax and get on with buying the food, drink and gifts you need, safe in the knowledge that you can afford everything you’re shopping for.
While we don’t quite offer “Christmas loans no credit check” we do work hard to improve our local community, and a large part of that is allowing our account holders to access the funds they need to improve their lives. We make it easier to borrow money at affordable rates, and we deal with each and every account holder as an individual in their own right.