PCS Credit Union

Ethical Payday Loans 

There is an ethical alternative to payday loan sharks.

If you’ve been a member of the PCS Credit Union for a month or more, you can borrow up to £500 at a low monthly interest rate of just 2½%, (34.5% APR). You also have up to six months to repay the loan. So £100 taken over a three-month period would cost approximately £6 in interest. The PCS Credit Union is owned and controlled by it’s members, not the payday loans industry. Further details on all loans are available on our loans page.

What is a credit union?

A credit union is a mutual financial co-operative, which offers a convenient way to save and provides low interest loans to its members.

The union's aim is not for external profit but to serve the financial needs of the PCS members, staff, retirees and household family members.

What are the benefits?

Here are just some of the benefits of joining a credit union

  • An easy way to save
  • A low cost way to borrow
  • After all costs are met profits can be returned to the members (through dividends on their shares)
  • Owned and run by members
  • Regulated and insured so you know your money is safe
  • More reasons why you should join

Want to know more?

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