‘Last Christmas, I gave you my heart, but the very next day you gave it away.’
Too soon? Of course it isn’t. The Christmas countdown is well under way and at Pennine Community Credit Union we’re decking our halls, belting out carols and hoping to fill our sleigh full of guaranteed Christmas loans.
When we say guaranteed Christmas loans, of course, we don’t mean that they are guaranteed in absolutely 100% of cases. What we do mean by guaranteed Christmas loans is that, as a credit union, we’re far more likely than many institutions to lend money to those with a less than perfect credit score. That’s because our approval process is based on more than simply the credit score you’ve been given by some remote and faceless organisation.
Christmas is one of the most joyful times of the year but it can also be one of the most stressful. Parties, presents, turkeys, your partner having the heating on every minute of the day. Our budgets only stretch so far and Father Christmas not landing until December 25th doesn’t exactly help matters. Fortunately, the PCCU elves are here all year round; ready and waiting to help you spread the cost of the festive season over a longer period, when you’re searching for an affordable guaranteed Christmas loan.
It can sometimes feel like you’ve been left out in the cold while you’re waiting for a response to a loan application. At PCCU, we aim for a maximum two-day turnaround, although the majority of applications are actually completed within one working day; affording you plenty of time to get all the Christmas shopping done.
We understand that you may only need a few extra quid to make this Christmas extra special. Many lenders will not issue loans under the value of £1,000 and those that do, charge rates of interest that would have even Ebenezer Scrooge feeling bad.
PCCU is an ethical co-operative, here to provide affordable loans tailored to suit the person. A loan isn’t just for Christmas, and we will ensure your repayments are spread across the New Year, and most importantly, are within budget.
Christmas loans are one thing but one of the best presents PCCU can give you is the gift of ‘Saving as you Borrow’. This scheme offers account holders the opportunity to build up savings as they repay their loan, meaning next Christmas they could be in a position where they don’t need to borrow.
Now we’ve stopped you sweating over whether or not ‘guaranteed Christmas loans’ are a possibility this festive period, it’s time to start sweating over the relatives coming round.
Cousins, aunts, grandparents; Christmas dinners can be an overcrowded affair. Thankfully, our partners at SPE Furnishings provide brand furniture and accessories up to 50% less than retail, so if you do need an extra table and chairs, or even some bedroom furniture set for relatives staying over, here’s the best place to start.
We can’t give you five gold rings, three French hens or even a partridge in a pear tree but what we can always give you is trustworthy, professional and understanding service.
PCCU has been helping the communities of Burnley and Pendle at Christmas for more than 36 years and if you’ve been searching for a guaranteed Christmas loan then you should contact our credit union today. Apply online or ring 01282 691333 to speak to one of our staff if you would like more information. Alternatively, you can pop into one of our Burnley, Colne or Nelson branches…and maybe help us with putting up the tree.
PCCU Christmas Loans
Apply for a PCCU Christmas Loan today, with competitive interest rates and repayments especially tailored to suit your financial circumstance.Apply Now