It may still be autumn, and we haven’t yet enjoyed Bonfire Night, but there’s no escaping the fact that Christmas is looming on the horizon. Here at PCCU we understand just how much stress budgeting for a family Christmas can involve, and that’s why we encourage our account holders to get in touch as early as possible to enquire about our loans for Christmas.

We understand that people are often encouraged to budget for Christmas throughout the year, saving the money they need and carefully planning every detail of their seasonal spending. We also realise that real life often gets in the way of plans like these, making it impossible to arrive in December with the exact amount of money you’re going to need. Stagnant wages and rising prices make this kind of careful budgeting more difficult than ever, and that’s before even beginning to consider other big expenses such as furnishings, replacement appliances and car repairs.

Our loans for Christmas allow our account holders to borrow money in a manner which is affordable and transparent. That’s because we’re an ethical lender, providing our services on a not for profit basis. We’ve got no external shareholders to satisfy, and no chief executives on big bonuses, and that means that we can concentrate on offering loans for Christmas at the best possible rates of interest. Any money we do generate is recycled into the local community, meaning that our loans for Christmas help the place in which you live at the same time as helping you.

We’re not the only people offering credit of course, particularly at this time of year, but we like to think that we’re the best. When our account holders apply for loans for Christmas they deal with a human being, not a computer system. We’ll explain exactly how much we think you can afford to borrow, what your repayments will be, and how long they will take. Unlike many High Street lenders, we offer our highly competitive interest rates to every single one of our account holders, and the fact that we pay the money quickly into your account means that you’re free to seek out the best possible prices for whatever you need to buy.

If you want to treat your kids to the latest games console, for example, you might be tempted to purchase on a credit agreement from a shop or catalogue. Doing this will mean that, by the time you’ve finished making repayments, you’ll have paid much more than anyone else for the console in question. Take out one of our loans for Christmas, on the other hand, and you’ll be free to look for the best possible deal, taking advantage of the kind of seasonal offers which retailers provide for shoppers able to pay up front.

Whether it’s for gifts, Christmas food and drink or a few items of furniture you need in order to put some family members up, taking out one of our loans for Christmas will enable you to enjoy a stress free celebration certain that you can afford what you’re spending, and won’t be dealing with forbidding bills due for payment in January. Once you’ve applied we’ll give you an answer as quickly as possible, definitely within two days if you provide all the information required, and if you’re application is successful the money will be transferred into your account immediately.