St_Josephs's blog

We lend more than 3 times you know!

The St. Joseph's difference A lot of members still (wrongly) think that in order to qualify for a particular loan at St. Joe's, you need to have at least a third in savings / shares. This is a myth!


Many car dealers offer Personal Contract Plans (PCPs) as a way to pay for a car. PCPs can appear very attractive because they usually have low monthly repayments. You also have the convenience of being able to sort out your finance and pick your car in the same place. However, PCPs are very complex compared to other types of car finance and it’s important to understand all the terms and conditions before you sign up.