As the weather finally begins to improve – and it couldn’t really get much worse than snow over Easter – 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 putting up shelves over the bank holiday weekend to undertaking major construction work. If you’re thinking of embarking on a larger scale project, then one of the home improvement loans from PCCU could be the best means of getting hold of the funding you need.
Our home improvement loans can be used for anything from fitting new kitchen cupboards or sanding and varnishing the floorboards in your lounge 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 kit, 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 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 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 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.