Here at PCCU we understand the kind of financial pressures that many of our account holders face. From buying school uniforms to replacing kitchen appliances and paying for car repairs, the average family can find themselves in situations where they need to borrow and spread the repayments over an affordable period of time. The good news is that our low interest personal loans make this kind of borrowing more affordable than it’s ever been.

The low interest personal loans offered by PCCU provide an ethical alternative to the likes of payday lenders and that’s because we’re run on a not for profit basis. When we’re setting our interest rates, we don’t have to think about bringing in enough cash to fund lavish bonuses for executives or generous dividend payments for shareholders. Instead we can offer low interest personal loans designed to help our account holders fund the purchases they need to make without suffering the stress of expensive interest rates and sky-high repayments.

The other advantage of borrowing from an ethical lender like PCCU is that our low interest personal loans are provided in a completely transparent manner. This means that the interest rate we advertise is the interest rate we charge for every single borrower, unlike many lenders who flag up a headline rate which actually only applies to very few borrowers. In addition to this we can guarantee that our low interest personal loans come without any hidden fees or extra charges buried in the small print. In simple terms, what you see is that you get and we work with every single account holder to make sure that the repayment plan we set up is one which they will be able to afford.

When you apply for one of our low interest personal loans you will be dealt with by an individual member of our team, rather than having to deal with some distant call centre. We’ll never lend you more than we think you can afford to pay back and once you’ve provided all of the information we need, we’ll try to reach a decision as quickly as possible. This usually means within two working days and if possible, we’ll even let you know by the very next day.

Once a loan has been approved the money will be transferred into your account immediately, giving you the freedom to spend it as you wish. We know that our account holders appreciate the flexibility offered by our low interest personal loans and the fact that having the cash to hand means that they can shop around for the best possible deal, whether they’re booking a holiday or replacing a fridge freezer. More than anything else, our loans offer the peace of mind of knowing that you can afford the amount of money you have to spend, without suffering sleepless nights worrying about paying your loan back. We’re an ethical lender and we think that’s the least our account holders deserve.