The annual countdown to Christmas will forever see people divided into two camps. In one corner we have the ‘Bah Humbug Brigade’. Christmas adverts in October? Are you joking? This group refuses to talk about anything festive until we’re deep into December, and even then, you probably won’t ever catch them wearing a Santa hat.
In the other corner, we have our ‘Excitable Elves’. Did you know on September 16th it was 100 days until Christmas? They did. Belting out ‘I Wish It Could Be Christmas Everyday’ from their cars in October, this jolly bunch takes great pride in letting everybody know just how much they love this most magical time of year…all year. Whichever camp you fall into, it would be remiss not to do a little financial planning ahead of a season where costs can quickly snowball.
Unwrapping the cost of Christmas
With Christmas 2020 not quite as merry as it should have been, we have plenty of making up to do this December. And Pennine Community Credit wants to help ensure celebrations this year live long in the memory. Christmas is undoubtedly one of the most joyous times of the year. But for some families, the pressure of paying for presents, parties and pigs in blankets can make the whole festive period a little stressful.
At PCCU, we aim to provide Christmas loans for anyone who needs to borrow, including those who are on benefits. As a matter of fact, we specialise in helping people who are looking for ‘Christmas loans on benefits’ because we know just how difficult it can be applying for these types of loans. Our assessments are based on affordability, not the type of income you are in receipt of. Not on that, loan repayments can be made by standing order or a direct benefit payment such as Child Benefit, Universal Credit or Tax Credits.
Successfully applying for Christmas loans on benefits can make a huge difference to families. They allow the cost to be spread out over a longer, more affordable period. This is ideal for those who love to get their Christmas shopping done nice and early. And with talk of food shortages for the rest of the year gathering pace, we all might be heading to the supermarkets a little earlier this year on the hunt for turkeys.
Why PCCU is always Christmas number one for loans
Lots of our members are eager to get presents bought, wrapped and shipped off to Father Christmas as early as possible, therefore applications for Christmas loans on benefits in September never come unexpectedly to us at PCCU. We can provide both small and larger loans to suit everybody’s Christmas.
Our £500 Family Loan and Saving Scheme is a fantastic option for anybody needing a helping hand in the run up to the big day. This scheme allows you to use part of your Child Benefit to make the loan repayments and put a little amount in savings for a rainy day. Any surplus can be transferred back to you the very same day it’s received unless you want to make use of one of our other brilliant savings accounts such as our Christmas savings account. For this loan we assess your affordability with no credit check, and there’s no early payment penalty fees meaning you can pay this off as soon as you want and get started saving for next Christmas.
Complete a simple application online or pop into one of our offices in Burnley, Nelson or Colne for a chat about ‘Christmas loans on benefits‘. We haven’t got the decorations up just yet, but it won’t be long.
Apply for an affordable PCCU Christmas loan today, with competitive interest rates and repayments especially tailored to suit your financial circumstance.Apply Now