Whether you need a new sofa or a new kitchen, our Home Improvement Loans are an alternative to the company’s own buy-now-pay-later system. If you use our loans to pay off the cost in full, then you can repay what you owe to us instead. This is often at a much lower APR, and, unlike other companies, we will never charge you early repayment fees because we put our members first. 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.

Estimate your loan repayments

Loan Calculator

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APR 11.00%

APR 11.00%

Repayment Summary*:

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Loan Enquiry

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Tier 1 - 9.9% APR

  • In the first tier of our Home Improvements loan, you can borrow between £1k-£5k at an APR of 9.9%

Tier 2 - 7.9% APR

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

Tier 3 - 5.2% APR

  • In the third tier of our Home Improvements loan, you can borrow between £7.5k-£10k at an APR of just 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.

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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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