In times of financial hardship, with uncertainty on both the political and economic fronts, many people all over the country can find themselves having difficulty making ends meet. This is particularly true when it comes to having to find the money for one-off expenses such as the cost of a summer holiday, the bill when a car needs repairing or simply starting the lengthy process of getting ready for next Christmas. When facing up to the prospect of expenses such as these, it can be comforting to know that there is a reputable source of easy loans just waiting to be accessed.
That source is PCCU, and it’s the fact that we are a Credit Union which makes taking easy loans from us preferable to seeking them elsewhere. Our status as a Credit Union means that we are a not for profit organisation. More than anything else, this allows us to set our interest rates to be as affordable and competitive as possible. Unlike many commercial organisations, we don’t have to produce a profit so that directors and external shareholders collect bonuses. All members are equal – one member, one vote. Every one of our members is a part of the PCCU family, and they all benefit from our determination to provide easy loans that are as affordable as possible. Credit unions are the only lender in the UK that has capped interest rates of a maximum 3% per month, so you can think about taking out easy loans for a range of uses with total peace of mind.
Another advantage of taking out a loan with PCCU is the speed with which decisions are made. Needing money for something like a car repair, or to replace a large kitchen appliance, is something which often happens out of the blue. Even extra expenses for your holiday can come as a surprise, and the fact of the matter is that you need any easy loans you take out paying into your account as quickly as possible.
Although we offer a completely professional service, including a number of the facilities you’d expect from a High Street bank, we’re still small enough to work on a personal basis. That means your loan application will be handled by a person, not a computer, and a person who understands how urgent your need may be. If you give us all of the information we need we’ll try to reach a decision on the very same day, and aim that the most you’ll have to wait is two days. Our easy loans are given on the basis of your ability to repay them, and some of every payment you make will even be used to top up your savings. Once we’ve approved the loan, the money will be paid via BACS or can be loaded onto a pre-paid Engage card on the very same day.
No matter what you need the money for, we’ll provide a sympathetic ear and will treat you fairly. This extends to guaranteeing that there are no hidden fees or charges, and that the interest rate we quote is exactly the rate you’ll be paying. Our easy loans will help you get over those events or expenses that might otherwise stop you being able to make ends meet successfully. We regard our members as being like members of a family rather than simply customers, and that means we want to do our best to help you out, reduce your stress and offer a degree of financial peace of mind.