We know how difficult it can be to pay for festive season, and that’s why we’re happy to offer affordable Christmas loans. Our Christmas loans can help you make that magical Christmas a reality, whilst avoiding pay day lenders or purchasing gifts on credit with high in-store interest rates.

Many of our members save for Christmas throughout the year using our Christmas Saver accounts, however we appreciate that some expenses can be higher than anticipated, leaving you looking for a bit of extra money to cover last minute festive costs. With the price of gifts, food and drinks quickly adding up, a Christmas loan may be an easy way to cover the expense of Christmas in an affordable way.

CLEVR Money is an ethical lender, which means that the Christmas loan you take out with us will be provided at the fairest possible interest rates. That’s because we operate on a not-for-profit basis, so we don’t focus on getting the highest possible repayments out of our members. Instead, we work with them to provide a Christmas loan that is affordable, with a repayment plan they’ll be able to meet without losing any sleep. Another part of being an ethical lender is that every Christmas loan we provide comes with absolutely no hidden fees, charges or penalties in the small print. We work in a completely transparent manner, so when you take out a Christmas loan you know exactly how much you’ll have to pay, for how long and what the rate of interest will be.

Once you’ve given us all of the information we need we’ll try to reach a decision about your Christmas loan as quickly as possible. Once a Christmas loan has been approved the money will be transferred into your account and you’ll be free to get on with planning your Christmas.

If you want to have a chat about our loans before applying, give our lending team a call on 01253 478390

How much you may be able to borrow

I’d like to borrow over a period of months
Monthly repayment£100.84*
Total repayment£2,016.80

*Representative example.

Borrowing £1,500.00 over 20 months will cost £100.84/month. Total amount repayable is £2,016.80 which includes interest at 42.6% APR.

The figures given above are for illustrative purposes only. The actual interest rates and repayment amounts may vary subject to loan amount and status.

In order to apply for a Christmas Loan you must:

  • Live or work within our Common Bond area
  • Be at least 18 years old

You must not:

  • Be bankrupt, in a DRO or IVA
  • Have had any outstanding CCJs within the last 24 months
  • Have missed any repayments on credit within the last 6 months
  • Have had any defaults within the last 12 months
  • Have arrears on a credit union loan
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