Last-minute loans are about as common in December as mince pies and tangled fairy lights.
The inevitable festive rush brings with it a host of seasonal challenges – not least, how are all these purchases going to fit into a budget?
If your budget has gone out the Christmas advent window, then your only option may be last-minute loans.
Choosing the best lender for last-minute loans, though, isn’t as straightforward as choosing a festive film to put on while you’re decorating the tree.
Pick the wrong one, and you could be left with sky-high interest rates, hidden fees, and a hefty financial hangover that’ll last long after the Christmas decorations are down.
At Northern Community Bank, we want the festive season, and the New Year, to be filled with joy, not financial worry. That’s why we offer affordable, straightforward loans designed to help you enjoy the holidays without the stress of hidden costs.
Five reasons why Northern Community Bank should be your first choice for last-minute loans
- Avoid the Buy Now, Pay Later traps. Northern Community Bank’s affordable loans – we offer much lower rates than high-street lenders – help you steer clear of costly “Buy Now, Pay Later” schemes and payday loans, giving you peace of mind this festive season. Our £500 family loan and saving scheme is perfect for families trying to cover the cost of Christmas. It’s available to anyone in receipt of child benefit, and requires no credit checks – just an affordability assessment.
- Trusted by the community. Every year, hundreds of local people turn to Northern Community Bank to fund their Christmas celebrations, knowing they’re borrowing from a trusted, not-for-profit organisation.
- Convenient online application. There’s no need to visit a branch either. You can apply for your loan online through our secure Online Accounts Area or mobile app. Making it easy to access funds even at the last minute.
- Affordable and flexible. Our loans are based on your affordability, not your credit score, and come with competitive interest rates. Plus, with our Save As You Borrow Scheme, you’ll have a savings pot ready for next Christmas.
- Fast, reliable, and fair. Decisions are made by real people within 48 working hours. And if approved, payments can be made the same day via BACS.
Can I speak to someone about last-minute loans?
Taking out a loan, especially when you’re pressed for time, can feel overwhelming. If you have questions or need guidance, we’re here to help. At Northern Community Bank, we offer personalised support to ensure you fully understand your options and make the best decision for your financial situation.
Don’t navigate the stress of last-minute loans alone – just pick up the phone and call 01282 691333, or chat to us through the Northern Community Bank app.
