We like to make life as easy as we can for our account holders. That means working as a not for profit organisation, lending money at affordable rates to people who might find it difficult to borrow elsewhere. It also means using any money we do make to improve our local community, and also to offer a service that’s constantly being improved. One example of this improvement is our user friendly website, and the fact that account holders can go there to apply for online Christmas loans.
We understand how difficult it can be to budget for Christmas. Even if you manage to put some money aside throughout the year – something which is very difficult, particularly if you have other family expenses – you might need to borrow a little bit more. After all, as well as buying gifts for friends and family you’ll probably want to treat yourself to extra food and drink, and many people choose this time of the year to give their home something of a makeover.
With all of that to pay for, funding Christmas can be extremely stressful, and that’s why our online Christmas loans are so important to our account holders. As ethical lenders, we make sure that the interest rates we charge as kept as low as possible. On top of this, we’re completely transparent when it comes to any other charges. In simple terms, there aren’t any other charges. We don’t hide fees in the small print, or charge extra for setting up a loan, and the interest rate which we advertise is the rate we charge for every single account holder.
We also make it as easy as possible to apply for our online Christmas loans. Although we do run credit checks we also base our decision on your savings history with PCCU, and on what we think you can afford to repay. We don’t see why people should continue to suffer because they might have mismanaged their finances many years ago, and so we help our members to access the kind of loans they need to improve their lives.
Once you’ve provided all of the information we ask for, we’ll make a decision as quickly as possible. Our online Christmas loans aren’t processed by some distant computer or faceless call centre, but by a member of our team with your best interests at heart, so we try to turn every application around within two working days. If at all possible, we’ll come to a decision by the very next day, and as soon as a loan has been approved, the funds will be transferred into your account.
We know how special Christmas is to our account holders, but also how difficult it can be to pull together the money it calls for. Our online Christmas loans are a quick and simple solution, providing the money you need to enjoy a magical Christmas and peace of mind in the New Year.