Here at CLEVR Money we appreciate just how useful our Xmas loans can be for our members. No matter how you choose to celebrate, there’s no getting away from the fact that Christmas is a very expensive time of year and, after the past couple of years we’ve all had to put up with, many people are determined to make Xmas 2021 as special as possible. Our Xmas loans can make all the difference when it comes to pulling out all the stops.
We know that our members use our Xmas loans for a huge variety of reasons, not least to cover the huge cost of providing presents and festive feasts, those works dos and nights out with friends etc. For some the run up to Christmas can the perfect time to take advantage of the deals and to invest in a new sofa or makeover the spare room before hosting friends and family over the festive period.
Some people will opt to go away for some Winter Sun, or even book a self-catering place in the UK and bring the family together for a treat over the holidays. Others may not celebrate Xmas at all but want to make the most of the special offers and sales available throughout December and January. No matter what you have on, our Xmas loans can make all the difference.
In some cases our members may have been able to save up during the year but use one of our Christmas loans as a top-up to help fund their Xmas plans. In others, our Christmas loans are enough to cover an extra-special Xmas treat and help spread the cost in a more affordable way. In all cases, our members can relax in the knowledge that the Xmas loans they take out are provided in a completely ethical manner.
We pride ourselves in being an ethical lender because we don’t want out members to spend 2022 worrying about how they’re going to pay their Christmas loans back. Being an ethical lender covers many different aspects of how our Xmas loans are provided, for example we are run on a not-for-profit basis which enables us to keep our interest rates fair. Our Christmas loans are also provided in a completely transparent manner. There are no extra fees or hidden charges in the small print, and when you take out one of our Xmas loans you’ll know exactly how much each repayment will be and the total you’ll pay back in full. We never lend our members Xmas loans without being sure that they can afford to pay them back, and we treat each of our members as an individual and will have a chat with you directly to help make sure you get the best Xmas loan that we can provide you. Applying for our Christmas loans is quick and simple, and once you’ve given us all of the information we need we’ll make a decision as quickly as possible. Once they’ve been approved, our Christmas loans are paid directly into your bank account, leaving you free to start turning your dream 2021 Xmas into a reality.
Representative example. Borrowing £600 over 12 months requires repayments of £60.28pcm. Total amount repayable £723.36 including interest at 42.6% Representative APR, Annual interest rate (fixed) 36%. The figures given above are for illustrative purposes only. The actual interest rates and repayment amounts may vary subject to loan amount and status.