PCF Bank was established in 1994 to bring two qualities into vehicle and plant & equipment financing: simplicity and customer ... focus. We are a specialist in this area and have helped over 70,000 consumers and businesses by providing them with hire purchase and finance lease facilities. Now, we are applying the same qualities with which we made our reputation to the wider world of banking. Simple banking at your service In December 2016, we were authorised as a bank. This is supported by more than 20 years of solid growth, both organic and through acquisition. With a finance portfolio of over £125 million, and 11,500 customers, you can rest assured that that our professional and personable service has been thoroughly tested. Today, we offer not only the services on which PCF Bank was built, but an equally competitive range of savings products for our customers. Developing into a bank has made us more competitive and flexible, allowing us to better serve our existing customers, and also to attract more new customers who can benefit from our simple, personal, approach to finance. Independent and innovative At PCF Bank, simplicity is more than just a buzzword – It is a tangible benefit that we seek to deliver. One of the ways in which we achieve this is through our independence. It enables us to have short lines of communication, so that we can make quick decisions. Another important way in which we differentiate ourselves from other providers is through innovation: in particular, the development of our own internet-based proposals system, eQuote, and our internet-based application process for savings customers. These systems allow us to process applications for finance and savings accounts with new levels of speed and efficiency. read more