There’s no getting away from the fact that many people can find it difficult to find the money for day to day living. When wages don’t keep pace with inflation this is bound to be the case, and we understand that many of our account holders are the kind of people who politicians sometimes refer to as ‘just about managing’. Most of the time people are able to cope with this situation, but when an emergency arises they find themselves in need of the kind of quick injection of cash which our household loans offer.

It could be because you need new white goods. Perhaps your washing machine is on its last legs, or your fridge freezer has seen better days. Even if it’s just a case of updating your kitchen to improve your quality of life, it’s highly likely that you haven’t got the money lying around to simply go out and buy what you need. Our household loans can fill that gap, and can do it on far more attractive terms than those offered by other providers.

Many shops offer goods of this kind on credit terms, for example, but the interest rates charged are often extremely high. The same applies to many other loans and overdraft options. Our household loans, on the other hand, are offered at the lowest possible interest rates. That’s because we’re run for the benefit of our account holders and the wider community, rather than to make a profit. What this means is that anyone who takes out one of our household loans will get the best possible interest rate, and we’ll be completely upfront and clear about exactly how much you’ll be paying back.

It doesn’t have to be used to buy white goods, of course. You could take out one of our household loans to carry out home improvements or to do general repairs on your home. In both cases, neglecting the condition of your home could result in a poorer quality of life and in the overall value of your home dropping. In that way, our household loans can be seen as an investment in your future well-being as well as a chance to relieve the pressure on your current spending.

The way in which we administer our household loans is just another indication of how we approach things differently from other providers. We’ll deal with you on a one to one basis and will explain in easily understood language exactly what the terms of our loans are. When we have all the information we require for a loan we always try to come up with an answer as quickly as possible, often on the same day as the application is made, and never later than two days. As soon as we have made a decision, we’ll transfer the money to your account via BACS. With the cash available you’ll be in a perfect position to shop around and get the best possible deal, and the repayment plans we agree with our account holders are always designed to be affordable. If you feel one of our household loans would give you the freedom to improve your life without the stress of worrying where the money is going to come from, then contact PCCU today and we’ll see exactly what we can do for you.