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We respond to all applications as quickly as possible: usually, that is within an hour of us receiving it.
We will perform a ‘soft search’ on your credit file, purely for quoting purposes. This means that your credit score will not be impacted, and our search will not be visible to anyone else on your credit file. If you then decide to proceed with your application, we will leave a marker on your file to confirm that we have performed a search in your name.
We aim to provide the fastest service possible, and may be able to progress from your initial application to paying your supplier within as little as 2 hours. Failing that, we can usually send payment within a 48-hour period, provided all the necessary paperwork and information is available.
We will finance a horsebox provided it is no older than 20 years at the fulfilment of the finance agreement. For horseboxes built on an older chassis we base the age on the date the conversion was completed.
We can consider finance up to 10 years provided the age of the horsebox isn’t older than 20 years at the end of the agreement.
We will finance cars up to 13 years old at the end of the agreement. We also offer finance on older classic cars, for more information please see our Classic car page.
We can consider finance up to 5 years provided the age of the car isn’t older than 13 years at the end of the agreement.
We can consider finance up to 10 years.
We respond to all applications as quickly as possible: usually, that is within an hour of us receiving it.
This depends on the value of the vehicle or equipment and your own circumstances, because all of our products are tailored directly to customers on an individual basis. However, as a guide, we offer finance from £2,500 to £250,000.
Our specialist underwriters look at each vehicle individually so there is no specific age limit, please contact our personal finance team on 0207 227 7510 for more information.
We can offer terms from 2 years up to 10 years for specialist assets.
This depends on the value of the vehicle or equipment and your own circumstances, because all of our products are tailored directly to customers on an individual basis. However, as a guide, we offer finance from £2,500 to £1,000,000.
For limited companies, we will perform a company search and subject to consent, personal searches on the directors and guarantors. For sole traders we will perform a consumer search.
We aim to provide the fastest service possible, and can usually progress from your initial application to paying your supplier within a 48‐hour period, provided all the necessary paperwork and information is available.
We respond to all applications as quickly as possible.
We will finance vans up to 10 years old at the end of the agreement.
We will finance plant & machinery up to 10 years old at the end of the agreement.
We will finance assets up to 10 years old at the end of the agreement.
We can consider finance up to 5 years provided the age of the commercial vehicle isn’t older than 10 years at the end of the agreement.
We can consider finance up to 5 years provided the age of the van isn’t older than 10 years at the end of the agreement.
We will finance commercial vehicles up to 10 years old at the end of the agreement.
We can consider finance up to 5 years provided the age of the coach or bus isn’t older than 10 years at the end of the agreement.
We can consider finance up to 5 years provided the age of the plant or machinery isn’t older than 10 years at the end of the agreement.
We believe that opening a savings account should be quick and easy. If you are a new client, you can apply for a savings account online. Existing clients can log into their internet banking account and open an additional savings account directly - a quick and easy process that takes around 10 minutes to complete.
Once you’ve opened your account, you will be required to send money into it – but this is a quick and easy process as well. The funds will be sent to sort code 23-01-08 and your PCF Bank account number, which can be found by logging on to your internet banking.
There are two ways in which you can deposit funds into your account: electronic transfer or cheque. Electronic transfers must come from the bank account which you nominated in the application process. These can be made using Faster Payments, BACs or CHAPS. On a Notice Account, you can make as many deposits as you wish up to the account limit (£250,000). On a Term Deposit Account all funds must have reached the account within the first 14 calendar days of a successful application being completed, provided you stay within the product maximum of £250,000. Once the 14-days is reached the funding window is closed and you will no longer be able to transfer funds to your Term Deposit Account.
At PCF Bank, there is no limit to the number of accounts you can hold. However, the total funds within those accounts cannot exceed £500,000.
PCF Bank pays interest annually on the anniversary of the account’s opening, and that interest is paid directly into your nominated account. However, in the first year, our interest calculations only apply from the day on which the money was deposited. That means, if you open an account with us, then fund it with £10,000 seven days later, you will receive just 358 days’ interest in the first year of your account being open (excluding leap years). In subsequent years, of course, you will receive a full year’s interest on your money, provided it remains in the account.
You can find out what is accepted by clicking here
You can update your nominated account by logging on to your internet banking and sending a secure message. If we are unable to confirm these details, we may ask for supporting documentation. This will be in the form of a crossed cheque or an original bank statement.
You can open sole or joint accounts. A joint account can have a maximum of 2 people on it. Joint accounts can be accessed by any one party at any time, amendments to the account will not need both parties to sign.
When you open your account, you will receive a confirmation email and SMS message when it is open and active.
You will be able to view your interest rate when you log onto your internet banking, you can also call us to find out. If you have not opened an account yet all rates can be viewed online.
All our accounts can be opened as a POA account. You will not be able to open this account via the online channel. Please call us on 020 7227 7577 for more information. Once you complete the application this will need to be sent to us with the Enduring Power of Attorney Documents.
Notice accounts can be closed by giving notice to close. This can be done by sending a secure message or calling us on 0207 227 7575. Notice account will be subject to the notice period before closure. This means on a 100-day notice account, when you request to close the account you will receive your capital and any accrued interest after the notice period.
No, for your own added security we restrict access to the UK.
Our savings application can only be accessed from the UK. You need to be a UK citizen and UK tax resident.