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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 5 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 5 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 2426 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 £7,500 to £2,500,000.
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.
The reason that we request your bank details is so that we can carry out an identification check to make sure the account number provided links to your personal current account; this is not a credit check with any credit referencing agencies.
If you are an existing customer and have applied for a new account via our website, you will not receive a further email confirming your Customer Number. You will be able to log-in with you previous Customer Number and password to view your new account.
Once you have successfully logged in to your PCF Online Banking, you will see on the home page, the type of account you have opened along with the sort code 23-01-08 and next to that is your account number. Your account number begins ‘10XXXXXX’.
The reason you will have received these messages is because our Customer Numbers increase numerically, therefore it is likely that another PCF customer has accidentally typed their customer number instead of their own when trying to access their online banking.
However, if you are still unsure regarding this message, please contact a member of our team on 020 7227 7577.
You can log onto your PCF Online Banking>Accounts to view your transactions and balance.
You will need your Customer ID and Password for your PCF Online Banking.
You have 14 calendar days to fund your PCF Term Deposit account. In this time, you can complete as many transfers into the account that you need to as long as they all come from your nominated account. 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
Once your account has been approved and opened you will need to send money to your new savings account. The funds will need to be sent to sort code 23-01-08 and your PCF Bank account number which starts with 10XXXXXX. Your account number can be found by logging on to your PCF internet banking.
Funds can be transferred into your account by electronic transfer or cheque. Electronic transfer must be made from your nominated bank account which you gave 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 (£85,000).
Cheques need to be made from the nominated bank account that was given during the application and posted to PCF Bank Ltd, Pinners Hall, 105-108 Old Broad Street, London, EC2N 1ER.
Your funds can take up to 2 hours to show on your PCF account from the time you transferred the funds from your nominated bank account on a working day.
If funds were transferred on a non-working day, they will show in the morning of the next working day.
If the funds do not appear in your account within 24 hours, we ask that you please call the bank of your nominated bank account and have a trace placed on the payment transfer. Your bank will then be able to confirm the current location of your funds.
You can have as many accounts as you wish so long as you do not hold more than £85,000 in total with PCF Bank. Joint account holders can hold £170,000.
Interest is paid to your nominated bank account annually, on the anniversary of the account opening.
If you have a notice account with PCF, your interest is sent to your nominated bank account within 2 working days of the anniversary.
The Confirmation of Payee has been issued to the UK’s six largest banking groups (Barclays, HSBC including First Direct, Lloyds Banking Group, Nationwide Building Society, Royal Bank of Scotland Group and Santander UK). At this point PCF Bank, like many smaller challenger banks, are not eligible to join the scheme.
PCF Bank are aware of this scheme and in consultation with UK Finance the governing body who are implementing this change, in the future we will be looking to join and in turn provide the same level of assurance you receive when making payments to other financial institutions.
No, you can give notice to make a withdrawal on any amount within your available balance.
Yes, you can cancel any given notice that you have on your account as long as it is more than 5 working days before the notice is due to be sent to your nominated account.
No, your notice account will still stay open at a nil balance. To close your notice account, you will need to contact the Savings team either via secure message via your PCF Online Banking or by phone and request a notice for closure to be placed on your account. Once the account is at a nil balance, we can then close your notice account and any accrued interest will be sent to your nominated bank account the next working day.
When you first open your notice account, you need to fund the account initially with a minimum of £1,000.00, but once your account has had these funds in, it will stay open even if you chose to withdraw the full amount and it goes to a nil balance.
Your money is in safe hands. You will be covered by the Financial Services Compensation Scheme, which means that your deposits will be covered up to £85,000. Visit this website to view the information https://www.fca.org.uk/consumers/deposit-savings-protection.
Our unique FRN number is 747017. Which can be searched on the Financial Conduct Authority website.
Since becoming a bank, we now offer a range of competitive savings products including notice accounts and term deposits.
You can search for us on Companies House, the FCA, Bank of England or on AIM’S (Alternative Interest Market) list.
We offer a range of competitive savings products including notice accounts and term deposits. Please visit our Savings Interest Rates page by clicking the link to view our available interest rates: Interest Rates | PCF Bank.
If you have an account maturing in the next 30 days, log on to your online banking account to view your reinvestment options. When you log in to your PCF savings account via our website (www.pcf.bank), you will see ‘You have an account is reaching maturity’. If you click this text, you can start the self-serve maturity instruction procedure.
Once you’ve clicked ‘You have 1 account reaching maturity’, you will see details of this account and you have two options: ‘Review my reinvestment options’ If you click this you are taken to a page of exclusive reinvestment products you can choose to roll your funds into at maturity. Alternatively, should you not want to reinvest with us, you can select ‘No, I do not want to reinvest’.
If you selected ‘Review my reinvestment options’, you can view details of each reinvestment product by selecting the product. If you decide you want to go forward with your selected product, use the ‘continue’ button after reading each page of the product details and proceed through the process to finish. If you want to view more products, use ‘cancel’ to go back to the reinvestment product list and start again.
If you are having trouble using the online maturity self-service, you can call us on 020 7227 7577 and we can help you over the phone.
We ask that you please contact us at least 4 working days before your maturity date to confirm your decision, if your account is due to mature within 4 working days, please call us on 020 7227 7577.
If you choose not to reinvest your funds with us, you do not need to do anything as the funds will be returned to your nominated bank account automatically on your maturity date.