If you’re looking to upgrade your car, or buy for the first time, we offer an alternative to car financing companies. With our Car Loans you own the car at the end, and there is no large final payment to make. Our loan can also be spread over five years instead of the usual three to make it more affordable for you. And to top it off, you don’t need to be a member of PCU to take advantage of our Lifestyle Loans! Check out the loan calculator below to estimate your loan repayments.

If you would like to know more about our loans and if they are right for you, visit our downloads page or ask a member of staff via telephone or by visiting us in branch.

Estimate your loan repayments

Loan Calculator

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APR 11.00%

APR 11.00%

Repayment Summary*:

Weekly

Total

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Fortnightly

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Interest

∗Terms & Conditions Apply. All figures given on this website are for your general information only, and give a rough guide to loan repayments. Any statements on this website do not purport to be authorative or legally binding. You are advised to check with our offices for up-to-date rates and offers.

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Loan Enquiry

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Choose your amount

Tier 1 - 7.9% APR

  • In the first tier of our car loan, you can borrow between £5k-£7.5k at an APR of 7.9%

Select Your Tier

Tier 2 - 5.2% APR

  • In the second tier of our car loan, you can borrow between £7.5k-£15k at an APR of 5.2%
What We Require From You
1

Outgoings

  • 2 months bank statements (most recent)
  • Credit card statement
2

Proof of Income

  • Employed - 2 recent pay-slips (comes under bank statements)
  • Self-employed - Most recent set of accounts and latest tax returns OR notice of self-assessment
  • Retired - Proof of all pensions/bank statements
3

Identification

  • Photo ID - Passport or Driving License
  • Proof of Address - Current utility bill or bank statement (within 3 months)
  • or Proof of Address - Government issued documentation relating to tax or benefits (within 3 months)
Lending criteria

Credit Check

  • Because our lifestyle loans are so great, we must first perform a credit check on you before granting a loan. We do this because it's important that we are responsible borrowers that keeps the best interest of our community in mind.

Ability to Repay

  • It is our responsibility to all members to ensure that we only lend members’ money to other members when it has been established that there is an ability to repay the loan. A borrower must be able to afford the loan repayments, including interest, over the full duration of a loan.

Free Loan Protection Insurance*

  • *Provided by the Credit Union to Eligible Members.
How to apply

How To Apply

If you are an existing registered member, you can make a full application online. Alternatively, you can come in to any of our offices or call us and we can discuss your needs and proceed with your loan application.

Become a Member Apply Online
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Please note: if you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

If you would like more information please contact us today.

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