Spring has finally sprung and, as the weather gets slightly warmer (fingers crossed), most people naturally start thinking about booking their summer holiday. After all, the chance to get away from the daily grind of working life, enjoy a change of scenery and perhaps soak up a little sunshine is something which we all deserve. This is particularly the case if you happen to have children who’d love the chance to spend some time splashing in the sea, exploring the countryside or simply enjoying quality family time. If the financial demands of day to day living leave you wondering how on earth you can possibly pay for a holiday then rest assured you’ve come to the right place.

Credit union loans offer a means of financing a holiday which is convenient, affordable and flexible. If you’re a member of our credit union, then you’re a member of a not for profit organisation. We’re dedicated to working with our members to making saving and borrowing as easy as possible, and that means keeping interest rates as low as they can be. It also means being completely clear and open about how much borrowers will have to pay back, allowing them to take out credit union loans for more expensive items such as holidays without feeling the stress of worrying if they can handle the debt.

The cost of a holiday can include aspects such as accommodation, travel and spending money, and the flexibility of credit union loans will allow our member to borrow an amount which exactly meets their needs. Having the funds available to pay for your holiday gives you the flexible to shop around for your ideal holiday.

There are other benefits to credit union loans; borrow from PCCU and a portion of the repayments will be used to continue building up your savings, offering security and peace of mind moving forward. On top of that there is the fact the interest rate being charged will diminish as the balance goes down and you’ll face no penalty charges if you wish to make an early repayment. Take out a credit union loan with us and you’ll have paid for your holiday in full up front, with the only repayments due going to PCCU.

As well as being affordable and convenient, credit union loans are simple and speedy. We deal with every application as quickly as possible. In most cases we try to reach a decision in a day, and the maximum wait is two days, although this does depend on all of the information we require being provided with the application. Once a loan has been approved, a BACS payment can be made on the same day. Before you know it, you’ll be leafing through travel brochures and stocking up on sun cream, safe in the knowledge that your holiday has been paid for with an affordable credit union loan provided by an organisation with your best interests at heart.