Fundamental Loan Requirements

As a co-operative we recognize the importance of providing affordable loans to our members for everyday uses. In order to access loans at PCCU, you must be a member of the credit union. Each applicant must provide the loan officer with the documents outlined below:

  • Verification of Income
  • Business License
  • Social Security card
  • Two valid Photo IDs (Passport + one other)
  • Proof of address ( not more than¬†6 months old)
  • Cash Deposit (varies dependent on the amount being borrowed)
  • Job letter
  • Two valid Photo IDs (Passport + one other)
  • Proof of address ( not more than 3 months old)
  • Cash deposit (varies, dependent on the amount being borrowed)

Mortgage Loans

Additional Documentation Required
  • 5% to 10% cash deposit
  • DCA approved plans
  • Valuation of land
  • Typed detailed estimates (labour and material) signed by contractor/builder.
  • Permission to build on land if applicable
  • Copy of Land Register
  • Life insurance
  • Property insurance
  • Insurance for house under construction
  • Copy of Sale Agreement
  • Valuation of property
  • Copy of Land Register
  • Life Insurance
  • Property Insurance
  • Insurance for house under construction
  • Non-Nationals required alien land holders license

Car Loans

Additional Documentation Required
  • 10% Cash Deposit
  • Purchase agreement
  • Insurance assignment/Letter
  • 15% ¬†Cash Deposit
  • Registration of vehicle
  • Purchase agreement of vehicle or invoice ( if being bought from overseas)

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