What a difference a year makes! Last February we were bracing the cold weather from the ‘Beast from the East’ – this February we’ve experienced the hottest recorded winter day! The weather has certainly got account holders in the garden making home improvements, we’ve seen a few photographs of bumble bees and lady birds that have ventured out early to watch people fixing up fences, patios and getting the first cut of lawn this year.
The chances are that you start thinking about things like summer holidays, picnics on the beach and spring cleaning. Another thing which tends to happen more once spring has sprung is DIY, from tidying up the garden over the bank holiday weekend in April to undertaking major construction work. If you’re thinking of embarking on a larger scale project, then one of the garden home improvement loans from PCCU could be the best means of getting hold of the funding you need.
Our garden home improvement loans can be used for anything from fitting new seating areas or sanding and painting the fences in your garden all the way up to building a conservatory. The point is that once the loan has been approved you can spend the money however you wish. This opens up purchasing power which means you can haggle over the price of larger components or pieces of furniture, and take advantage of the savings available when paying cash and buying in bulk. The chances are that you’ll be able to access much better deals than the credit arrangements sometimes offered by retailers, making the most of your available budget and buying the best quality items.
The other major advantage of our garden home improvement loans are the terms on which we offer them. To start with, we do everything in a transparent and up-front manner. The interest rates which you see mentioned on our website and leaflets is the only interest rate we charge. Unlike some lenders, we don’t offer our best rate to a percentage of borrowers and a higher rate to all the others. Similarly, none of our account holders is ever hit with secret charges, fees or other small print.
Perhaps even more important is the fact that we are ethical lenders, working on a not for profit basis. When we set our interest rates we don’t have to think about paying a big bonus to the directors or funding a payout to our shareholders. That’s why we can keep our rates as low as possible, and any money we do make is ploughed back into making the community around us a better place in which to live and work. If you take out one of our garden home improvement loans we’ll only lend you what you can honestly afford to pay back, and we’ll put a percentage of each payment into your savings so they carry on growing as you clear your loan.
We’ve made the process of applying for our garden home improvement loans as quick and simple as possible. Once you’ve given us all the information we need, we’ll reach a decision within two working days and, if it’s at all possible, by the next day. As soon as the loan has been approved, it will be paid into your bank account, leaving you free to spend it when and where you want.