It’s very nearly Christmas, the time of year which places more demand on the average household budget than any other. From gifts to food and drink, even if you’ve spent months saving it can feel as if the money never quite stretches far enough. This is particularly true if you want to give your house a bit of a facelift for the festivities, and that’s why a PCCU home renovation loan is such a good idea.

If Christmas is about anything it’s about family getting together and enjoying each other’s company. If you’re going to have relatives over for Christmas dinner, or perhaps to stay for longer during the festivities, then a home renovation loan can really help you to put them up in style. You might want to splash out on a new carpet, a new sofa or perhaps a dining suite to provide the perfect backdrop for turkey with all the trimmings. Whereas items like this might previously have seemed financially unfeasible during the Christmas period, a home renovation loan makes it possible to revamp your surroundings without impacting on the rest of your spending.

Whilst there’s no shortage of high street lenders or other outlets offering money, a loan from PCCU offers several advantages. The first is that we’re a not for profit organisation run for the benefit of our account holders and the wider community. We don’t have to create a dividend for the shareholders or pay any executive bonuses, so we’re able to offer the kind of low-interest rates you’ll find it hard to match anywhere else.

On top of this is the fact that we’re completely straight with our lenders – there are no hidden charges or extra fees, and the interest rates we advertise are the rates which every single account holder will be charged. We’ll only lend you what we think you can afford to pay back, at repayments we feel you’ll be able to make, and some of every payment will be placed in your savings, so you’re building them back up at the same time as paying off the loan.

When an account holder applies for a home renovation loan with us they deal with a human being rather than some remote call centre, and they get an answer within a couple of days, if not the same day itself, provided they’ve given us all the necessary information. Once the decision is made the money is transferred directly into their account, putting them in the enviable position of being able to shop around and pay in full up front, rather than having to rely on the often expensive repayment plans offered by retailers.

A PCCU home renovation loan can help to make your Christmas extra special without creating the worry of having to meet unreasonable repayments and expensive interest rates at the start of the New Year. If you’re busy working on your Christmas wish list just think what else you’ll be able to add to it with the help of an affordable loan from an ethical lender like PCCU.