Can you believe it’s that time of the year again? It feels like just yesterday we were planning our summer getaways, and now September has arrived, the evenings are getting shorter, and Christmas decorations have already hit the shops! And while the weather may have taken a turn for the worse, nothing can dampen our excitement for Christmas here at PCCU HQ.

Counting the Costs of Christmas

Christmas is undoubtedly one of the most joyous times of the year, but for some families, the pressure of buying presents, hosting families, and serving up delicious feasts can make the festive period a bit stressful. That’s where PCCU comes in.

At PCCU, we specialise in providing Credit Union Xmas loans for anyone who needs to borrow, including those who are receiving benefits. We understand how challenging it can be to apply for these types of loans.

Our assessments are based on affordability, not the type of income you receive. Plus, you can make loan repayments through standing orders or direct benefit payments, such as child benefit, universal credit, or tax credits.

Successfully applying for a Credit Union Xmas loan can make a huge difference to families. It allows you to spread the cost over a longer, more manageable period, which is perfect for those who like to get their Christmas shopping done early.

Why PCCU Is the Top Choice for Christmas Loans

Many of our account holders are eager to buy, wrap, and send off presents to Father Christmas as early as possible. So, applications for a Credit Union Xmas loan in September are no surprise to us at PCCU.

We offer both small and larger loans to suit everyone’s Christmas needs. Our £500 Family Loan and Saving Scheme is an excellent option for anyone needing a helping hand in the lead-up to the big day.

This scheme allows you to use part or all of your child benefit to make loan repayments and even save a bit for a rainy day. Any money left over can be transferred back to you on the same day it’s received. Unless of course you prefer to use one of our other fantastic savings accounts, like our Christmas Club account. And there are no early payment penalty fees, so you can pay off your loan as soon as you want and start saving for next Christmas.

You can complete a simple online application or chat to us over our secure mobile app about a Credit Union Xmas loan. We may not have the decorations up just yet, but they’ll be coming out soon. We’re here to make your Christmas season merrier and stress-free!