One of the main things we pride ourselves on here at PCCU is ensuring our account holders – or potential account holders – walk out of our branches with the best loan or savings accounts possible. When it comes to short term loans, this has never been more essential.

Some households still press the panic button when an unexpected expense crops up – like a failed car MOT or the television going on the blink – and find themselves on the doorstep of a payday lender.

With PCCU, our short term loans not only offer you a financial lifeline but as an ethical alternative we are confident that our interest rates will be more competitive than most short term lenders.

If you stop by one of our branches in Burnley, Colne or Nelson, our dedicated and knowledgeable staff will be on hand to talk you through exactly why our short term loans could be the answer to your current set of circumstances. Naturally we understand some people like the ease of applying for loans online, which could not be easier with our step-by-step secure online loan application.

A large portion of lenders still prioritise committing people to longer term loans for larger amounts. If you want a new car or an expensive family holiday then of course PCCU is here to assist, but our main commitment is helping account holders find the right loan at the right time and that’s why, unlike a lot of lenders, we offer smaller value loans. We understand how these smaller sums can have a big impact on a person’s life.

When it comes to repayments – whether it be short term loans or any other type of loan – our priority is the account holder’s peace of mind. The last thing we want is a person overstretching and worrying about their finances, so repayments are tailored to suit you. There are no set up or application fees either.

We know that speed can be of the essence when it comes to short term loans and if you need money fast then you will want to know how long the application process is going to take.

PCCU aim to arrive at a loan decision within two days, if we have all the information present. However, more often than not this is done within one working day. Once approved the money is transferred straight into your account.

While going through a short term loans application, setting up a savings account may be the last thing on your mind. However, at PCCU we understand the importance of savings and that is why all account holders are encouraged to ‘Save as you Borrow’ no matter how short or long term.

What does save as you borrow mean? It means that as part of your repayment, a small amount is taken out to build up a savings account ensuring next time that extra expense crops up you’ll most likely be able to help yourself.

Short term loans but long term thinking.