Christmas Loans | Xmas Loans for Bad Credit £100-£5K (2024)

What is a Christmas Loans? There isn’t such thing as a Christmas Loan, it is purely just a short term loan around the Christmas Period.

We want to be very clear on this, as you aren’t applying for a Christmas Loan, you are applying for an instant cash loan around the Christmas period.

So if you are searching for loans for Christmas, hopefully, we can help. Please read all the FAQs below and also we will list some alternatives to Christmas Loans.

Alternatives to Christmas Loans

What are some alternatives to Xmas loans?

1. Credit Cards – You could use a credit card instead of getting a payday loan. Be sure to check the APR and don’t miss repayments otherwise this could damage your credit rating.
2. Store cards – There are a number of websites and stores that offer buy now pay later. Places like Next and Very have these in place. Again, always check the APR, only buy what you need. We always recommend not to go down the finance route as it can start to mount up. We always recommend you pay upfront!
3. Sell items to raise cash – Sounds simple but you could have a lot of money laying around your house with unwanted items. Sell items on eBay, car boot sales, Facebook and other social media sites.
4. DIY Christmas presents – Might sound cheap, however, this could save you a lot of money and friends and family might think it is extremely thoughtful if you have spent time making a present instead of just buying them.
5. Buy 2nd hand – People will be selling unwanted items to try and raise some money for Christmas. This could lead to some great bargains. Places like eBay, Facebook and other auction sites have some incredible deals. So get searching as this could save you a fortune!
6. Black Friday – We all know about Black Friday now. The shops are usually heaving with customers fighting over items, however, online is a lot easier and a lot less stressful. We will be adding a black Friday deal blog page soon, so keep your eyes peeled.

FAQs about Xmas Loans UK

Here are some of the most popular questions regarding Christmas Loans UK:

1. I need a Christmas loan for bad credit, can you help? Yes, as we stated above, we can offer you a payday loan bad credit. Like all loans, if you have very bad credit the APR might be higher as it is a bigger risk for the lender. So make sure you can afford the repayments before accepting any loan.
2. Do you offer Christmas Door Step loans? No, we do not offer door step loans. All our quick loans are 100% online and will be transferred directly into your bank account.
3. I have very bad credit, will I be accepted for a Christmas loan for bad credit UK? We work with a large panel of FCA approved lenders. Some of which specialise in bad credit. This said we can’t 100% guarantee you’ll be accepted. This will be down to the lender and your credit score.
4. Are Christmas loans UK expensive? Again, this goes down to your credit score and the lender you get matched with. All rates will be different. If you are not happy with the rates quoted and can’t afford the repayments, we strongly advise not to get the loan as not paying back the loan, could damage your credit score and leave you with a CCJ.
5. Where is the best place to get a Christmas loan from? This all depends on how much you are looking to borrow. If you are looking for a £100 loan to £5,000 then we would recommend you get a quote through ourselves. If you are looking for loans over £5,000, then we recommend a personal loan.

Please remember:

Only take the loan if you can afford the repayments.

try an alternative first, short term loans should be the last resort.

If you are struggling financially please seek professional debt advice from StepChange

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