Northern Community Bank’s Christmas loans for bad credit mean you don’t have to let a low credit score steal your festive cheer.
Christmas is meant to be full of twinkling lights, festive feasts, and the joy of giving; not stress over how to pay for it all.
But if your credit isn’t perfect, the thought of holiday spending can make you feel more Grinch than grin.
That’s where Christmas loans for bad credit come in: a helping hand to keep your festive season merry, even when your wallet might not necessarily be feeling that way.
But before you dash off to payday lenders, remember they’re definitely on the naughty list. Sky-high interest rates, hidden fees, and short repayment terms can turn your festive cheer into a financial nightmare faster than you can say “Rudolph”.
Instead, there’s a smarter way to manage your Christmas budget.
Northern Community Bank’s Christmas loans for bad credit – the nice option
When you think about Christmas, what comes to mind? Turkey, presents, and helping others share in the festive joy. Northern Community Bank was built around that very ethos, and our Family Loan is the perfect example of putting people first.
The popular £500 Family Loan & Saving Scheme lets you borrow funds while using your child benefit to make both repayments and saving deposits. We assess affordability with no credit check, making it easier for families to plan ahead. For example, borrowing £500 at £12 per week over 50 weeks at 42.6% APR results in total interest of just £91.95.
Unlike many credit providers, we don’t rely solely on computers either. Every loan decision is made by a real person, ensuring we fully understand your financial circumstances and are able to provide the support you truly need.
Do I need to see someone in person?
We love seeing our account holders face to face, but we know life can get hectic; especially around Christmas. Hands up you last-minute shoppers.
That’s why we’ve made the entire Christmas loans for bad credit process as simple as possible. You can complete everything online, either through our Online Accounts Area or via the secure mobile app.
A decision is normally made within 48 working hours. Once approved and the agreement is signed, funds are usually sent by BACS the same day, giving you quick, convenient access to your money.
We even accept loan applications right up until Christmas Eve, so you can be as last-minute as you like. And still have your festive funds ready in time.
