We are the Christmas Loans Credit Union
We understand just how difficult it can be for our account holders to budget for Christmas, particularly if they have to get by with a relatively limited income throughout the rest of the year. In the best possible scenario, it would be easy to save for Christmas throughout the rest of the year, but we understand that the demands of real life often make this very difficult. That’s why we’re happy to act as the Christmas loans credit union, providing affordable, ethical loans to our account holders.
The costs of the average Christmas come in all shapes and sizes. From buying the gifts which children and other loved ones want, to stocking up on delicious food and drink and perhaps even dealing with the job of putting up family members from other parts of the country, it’s a time of the year which places unusual demands upon the average family budget. Many people feel the need to borrow money to cope with this demand, and the good news for our account holders is that we’re the Christmas loans credit union.
We can honestly claim to be the Christmas loans credit union because of the way we lend money. We’re run on a not for profit basis, and this means that we don’t have to generate dividends for external shareholders or the money to pay lavish bonuses to members of the board. Instead, we can put any money we do make back into our local community and into keeping the interest rates we offer as low as possible.
This is the key to our position as Christmas loans credit union. We keep our interest rates as low as possible – much lower than those you’ll find at payday lenders, whilst competitive with the high street banks – and we offer the same rates to all of our account holders. Many lenders advertise an impressive headline rate and then only offer that to a few people, but we provide the same rate to everyone who borrows from us. In addition to this, our loans come without any hidden fees or charges, so you know exactly what you’re going to be paying at every step of the process.
Unlike some faceless big business or a distant call centre, we deal with all loan applications on a personal basis, and we’ll only ever lend an amount which we’re happy you’ll be able to pay back. We’ll keep the repayments affordable and we’ll deal with your application as quickly as possible. We try to reach a decision within two working days once all the information we need has been provided, and in some cases we may even be able to give you an answer the very next day.
Once we’ve approved a loan, the money will be transferred into your account. We’re the Christmas loans credit union because we enable our account holders to enjoy a happy and relaxed Christmas season without having to worry about how they’re going to pay the bills when January comes around. We believe that our account holders have as much right as anyone else to enjoy this magical time of year, and we provide the affordable, ethical loans that can make this happen.