On the first day of Christmas, my true love gave to me, a… Christmas loans direct lender.
Well, a partridge in a pear tree isn’t going to cover all those presents, or the new outfit you’ve had your eye on for Christmas day, or a table full of turkey.
It doesn’t matter how often we put in place a festive budget; the cost of Christmas always has a nasty habit of surpassing even the most extravagant of expectations.
We all want the festive period to be filled with merriment and magic, but what do we do when our bank balances start becoming more stretched than a Boxing Day waistband?
Christmas loans can be an ideal stocking filler when it comes to covering the cost of the holiday season. The trick is finding a lender who isn’t on Santa’s naughty list!
Why PCCU is the perfect Christmas loans direct lender
What exactly is a direct lender? We’re glad you asked.
Direct lending is pretty much as it says on the tin. A customer applies for a loan with a lender and receives approval from said lender.
With an indirect loan, the lender has no direct relationship with the borrower. Instead, the process is carried out by a broker (middleman), who after obtaining your details will search their database looking for a lender that best matches your requirements.
A Christmas loans direct lender – like PCCU – has numerous advantages when compared to these third-party lenders. The main one being the simplicity of the entire experience. You know who you’re dealing with from the outset. Also the process is generally a lot quicker, and there’s usually a greater deal of flexibility.
No broker also means no broker fees.
PCCU’s highly competitive rates of interest allow you to spread the cost of Christmas over a longer, more affordable period.
And once the loan is signed, you should have the money in your account the same day. Ideal for you last-minute shoppers.
Can I still get a Christmas loan with bad credit?
PCCU does not offer different interest rates on loans purely based on your credit history.
That’s because it’s perfectly normal for people to have had issues with bad credit in the past. By carefully assessing each applicant’s personal circumstances, we’re able to make loan decisions based on affordability (not just a credit score).
January’s tough enough. The last thing we want is for you to be packing away your decorations worrying about how you are going to make your monthly repayments. This is why we ensure they are tailored to meet your circumstances.
There’s also no early payment penalty fees, meaning you can pay off your loan whenever you want, and get started saving for next Christmas.
Christmas is a time for giving, but it’s also a time for taking; taking care of your finances, so you can continue taking care of your loved ones.
As a Christmas loans direct lender, PCCU takes great pride in helping our community do just that. Speak to us today for more information.