Straightforward loans with no hidden charges

• Borrow from £500 up to £2,000 for any purpose with a minimum of only £10 in savings.
• No set up fees
• APR is not based on your credit score – all our members entitled to the same honest and competitive rates.
• No penalties for partial or full repayment.
• Life cover provided at no extra cost during the loan term up to age of 65**.
• In the event of a claim, your PCU loan(s) will be waived and your savings balance(s) doubled.

Read more about the Starter Loan or to ask a loan related question.

**Life insurance is offered subject to conditions.

• Borrow from £3,001 up to £25,000 for any purpose with a minimum of only £10 in savings.
• No set up fees
• APR is not based on your credit score – all our members entitled to the same honest and competitive rates as follows:
  £3,001 – £5,000: 9%
  £5,001 – £7,500: 8.5%
  £7,501 – £25,000: 8%
• No penalties for partial or full repayment.
• Life cover provided at no extra cost during the loan term up to age of 65**.
• In the event of a claim, your PCU loan(s) will be waived and your savings balance(s) doubled.

Read more about the Resourcer Loan or to ask a loan related question.

**Life insurance is offered subject to conditions.

There may be some situations where a fixed term loan for that large purchases might not be right for you. That's when a Responder top up credit facility possibly could be. It's designed to give you flexibility to cover those smaller, unexpected expenses or those regular, ongoing commitments. And it's almost certainly cheaper than a credit card or store loan carried over from month to month.

You can arrange a Responder loan* for an initial sum and then take out further loans*, up to six times per year, with flexibility to change the repayment term of the new combined outstanding balance to suit your own situation.

• Borrow from £2,001 up to £12,000 for any purpose with a minimum of only £10 in savings.
• No set up fees
• APR is not based on your credit score – all our members entitled to the same honest and competitive rates.
• No penalties for partial or full repayment.
• Life cover provided at no extra cost during the loan term up to age of 65**.
• In the event of a claim, your PCU loan(s) will be waived and your savings balance(s) doubled.

Read more about the Responder Loan or to ask a loan related question.

*Loans subject to status, conditions and credit checks to members aged 18 or over. Written quotations for loans available on request.

**Life insurance is offered subject to conditions.

Everyone understands about overdrafts and high credit card interest rates - but PCU offers an alternative that helps keep your borrowing more manageable. It's a flexible 3 year loan facility, allowing you to take advances from pre-agreed limit when you need them.

• Loan limits between £500 and £5,000
• Ideal for small, one-off unexpected or regular expenses (advances from as little as £100)
• Interest rate fixed for 3 years
• Only make repayments when you've actually borrowed; you could set up a Reloader account to cover unexpected costs, then not use it
• Once a limit has been agreed, advances can be made as often as you wish
• APR is not based on your credit score – all our members entitled to the same honest and competitive rates.
• No penalties for partial or full repayment.
• Life cover provided at no extra cost during the loan term up to age of 65**.
• In the event of a claim, your PCU loan(s) will be waived and your savings balance(s) doubled.

Read more about the Reloader Loan or to ask a loan related question.

**Life insurance is offered subject to conditions.