Northern Community Bank’s Christmas Club Account Saves Christmas

November 11, 2020 4:20 pm Leave a Comment

Christmas is well and truly the most wonderful time of year for most of us although I think you will agree it doesn’t come cheap. Research from the Bank of England states that the typical family spends an average of £800 more than usual in the month of December alone.

We understand that our account holders often struggle saving for this joyous season throughout the year due to unexpected bills and general life expenses appearing. That’s why we created the Christmas Savings account to combat all Christmas’ financial challenges so all you have to worry about is cooking that gigantic turkey (other meats and nut loaves are available).

In fact our Christmas savings account holders often wonder what they would do without this account come the Christmas period. And the figures, well they speak for themselves… This year we are thrilled to share that our local community saved over £230,000 in this account. £80,000 of that being from our Family Loan account holders alone.

The Christmas savings account has been a life saver. I’ve always struggled around Christmas time but having this has made it a lot better for me, thank you very much.

We have such delight in seeing these enormous saving totals because it signifies that thousands of local people will be able to afford the Christmas they and their families deserve. The perfect ending to this challenging and unprecedented year.

If you are yet to jump on board with this Christmas-saving-saviour here are some key points:

The account allows you to only make cash or BACS withdrawals during the months of November and December.
Just real cash savings, no vouchers, meaning your shopping isn’t restricted.
These savings are fully protected by the FSCS.
Deposits can be made by standing order, telephone, benefit payment or finally by cash deposits into any of our 3 branches in Nelson, Colne or Burnley.
Money does not have to all be withdrawn at once.
Any money not used will start your Christmas savings for next year.

And to put your saving possibilities in to perspective, the table demonstrated the amounts you could save affordably throughout the year ensuring you have some money set aside to cover part or all of your well-deserved celebrations

There’s no time like the ‘present’ open a Northern Community Bank Christmas savings account today via our website or call our jolly team of colleagues on 01282 691 333 to discuss any concerns and queries you may have.

Are you searching for ‘Christmas loans no credit check’?

November 5, 2020 3:34 pm Leave a Comment

It’s reaching that time of year again. Debit card transactions are flying about at a terrifying rate while bank balance checks are now on hold until January. Spending sense can go completely out of the window in the lead up to the holidays.

Northern Community Bank fully understands this urge to go all out for the ‘most wonderful time of year’ and whatever Christmas you do have planned, we’re here for you. More importantly, we’re here to ensure you still have money long after the turkey’s gone and all your presents have been opened. After all, the cost of Christmas can often snowball well into January and beyond.

What a Northern Community Bank Christmas loan will allow is for you to spread these costs over an affordable period. Not only that, we also understand why people spend so much of their time searching for “Christmas loans no credit check”…and once again, we’re here to help.

Do you struggle with bad credit when applying for loans?

How many times have you applied for a loan, car finance, a mobile phone contract only for your application to be rejected due to a low credit score. Being refused credit can be tear-your-hair-out frustrating, especially when you don’t know why you’ve been declined. You’re not alone.

At Northern Community Bank – although we do check credit history – we do not operate on a computer says ‘no’ basis. Each application is assessed individually by a person – not a computer. We look at affordability, income and expenditure and only lend amounts we are confident you can afford to pay back. Unlike banks and other lenders, we’re far more likely to lend money to people with a less than perfect credit score.

Take our £500 family loan and saving scheme, for instance. Perfect for families trying to cover the cost of Christmas. The scheme is available to anyone in receipt of child benefit and requires no credit checks. We aim to reach a decision within one working day and if successful can make a £500 BACS payment that same day.

Community always at the heart of Northern Community Bank

Family is everything at Christmas, and that is a sentiment that rings true all year round at Northern Community Bank. We’re a not-for-profit organisation. This not only means we’re able to offer much lower interest rates than you’re likely to find anywhere else, but we can also put resources into helping our community. It is an ethos that has served us well for decades.

We treat every one of our account holders as a person, not a number. That is why when you apply for a loan with us, our decision is based on more than a simple credit check. We look at your saving record, your income, your expenditure; all these factors help us determine how much you can actually afford to pay back. Northern Community Bank want to remove obstacles, not put them down.

So, stop frantically searching “Christmas loans no credit check“, pick up the phone dial 01282 691333 and let us talk you through all the options we have available.

Otherwise you can apply online by completing a simple loan application and we’ll have a decision with you within 24 working hours.

Are you looking to borrow money for Christmas?

3:21 pm Leave a Comment

Do you ever feel like you’re standing right at the top of a slippery slope? Not the fun kind, sledge in hand. The kind where one small monetary misstep can loosen your financial footing, leaving you hurtling towards rock bottom. The run up to the festive period is fraught with budgetary pitfalls. Asking to borrow money for Christmas is one way to keep yourself on surer footing.

Northern Community Bank here to make this a Christmas to remember

Thousands of local people borrow money for Christmas from Northern Community Bank each year. For many, these loans can turn a stressful Christmas filled with worry into a joyous one filled with gifts.

It’s safe to assume that festivities this year are likely to be a little different from what we’re used to. Who knows if we’ll even be able to spend time with family on December 25th? Burnley and Pendle could well be in Tier 10 by then. That’s why it’s more important than ever we do our best to make sure Christmas 2020 is still one to remember. If that means treating your family and friends to a few more gifts than usual, then so be it.

There’s only a few weeks left to the big day though, and we’re beginning to run out of paydays. Instead of worrying about how you’re going to make your December wage last for what feels like three months, come and talk to us about how you can borrow money for Christmas.

Taking out a Northern Community Bank loan means you’re able to spread the cost of Christmas out over a much longer, more affordable period. And once you take the financial stress out of Christmas you can sit back, pour yourself a mulled wine and relax knowing all your presents are bought and wrapped ready to be placed under the tree.

Northern Community Bank tailors repayments when you borrow money for Christmas

Northern Community Bank understands that applying for a loan can still be a stressful experience for some people. ‘Will my application be accepted?’ ‘Can I afford to pay back the money?’ ‘Will I be hit with hidden charges?’ Not only do we offer competitive interest rates; our repayment plans are especially tailored to suit your financial circumstances. No gimmicks, no empty promises, no big shocks down the line. Our loan decisions are made by real people as well. We specialise in helping bad credit cases and don’t want computers ruling ‘no’ when our highly trained staff can cast an insightful eye over an application. There’s no early payment penalty fees either meaning you can pay off your loan early and get started saving for next Christmas.

If you have any other questions about what ‘borrow money for Christmas’ could mean for you then don’t hesitate to get in touch by calling us on 01282 691333 or visiting one of our branches. Our highly trained staff are also a merry bunch and would be more than happy to talk you through any queries you may have.

Northern Community Bank’s 2020 quick loans are a real Christmas saviour

October 23, 2020 2:13 pm Leave a Comment

Good things come to those who wait. That may be true for a lot of things – a slow cooked beef joint, glass of wine after a long day at work, a first win of the season perhaps – but not when it comes to loans.

Christmas is just around the corner and after what’s been a pretty unpredictable few months for us all, 2020 quick loans are looking like they could be a true festive saviour this year. After all, ‘Christmas’ and ‘spending money’ go together like ‘turkey’ and ‘cranberry’. Is it time to finally upgrade those decade-old Christmas decorations? What about a bigger fridge freezer to help store all the festive goodies you’re going to buy? Or maybe, quite simply, you want to treat your loved ones to a Christmas they’ll never forget this year. Whatever the reason, the sooner you have money in your account, the sooner you can get planning.

2020 quick loans put spending power in your hands

Northern Community Bank prides itself on delivering the best possible service when it comes to delivering quick loans online. Don’t take it from us though, take it from one of our account holders

Everything was great from start to finish. Northern Community Bank Advisors are really helpful and my loan was completed and in my bank within 3 hours. Fab service overall.

We have dealt with thousands of account holders such as this since opening our doors back in 1982. It is why when we say ‘2020 quick loans’ will help put the spending power in your hands, you can trust what we’re saying. Loans mean you don’t have to be reliant on ‘bye now, pay later’ Christmas payment plans. Inflated interest rates and unreasonable repayment plans are not part of the Northern Community Bank ethos. The ‘community’ in Northern Community Bank is there for a reason.

Take our £500 family loan, for instance. Anyone in receipt of child benefit can apply for the £500 family loan and saving scheme in time for Christmas with no credit checks carried out and repayments tailored to suit your circumstances. A perfect little stocking filler.

Why Northern Community Bank is the place to come for quick loans online

Northern Community Bank’s ‘2020 quick loans’ application process is the consequence of almost four decades of experience. It’s smooth, quick (same working day quick) and decisions, just like they were in 1982, are made by real people, not computers. Of course, technology does have its advantages – even Father Christmas probably uses Sat. Nav these days. Our secure Nivo app allows quick loan online applications to be completed and signed for on your phone, making it even easier to access affordable loans.

Account holders are also automatically entered into the credit union ‘Save as you Borrow’ scheme when they receive a loan. This means they put away a minimum saving amount with each repayment, which builds up and acts as collateral against the loan. The result? A helpful pot of money ready to spend next Christmas. On top of all this, as a not-for-profit organisation, any profits we do make not only go to helping our account holders, they are used to help regenerate the local area.

We believe in the spirit of Christmas all year round.

Northern Community Bank’s Pride as Debbie joins the ABCUL Board of Directors

October 15, 2020 10:05 am Leave a Comment

Our Chief Operating Officer Debbie has recently joined the ABCUL Board of Directors whereby she will be acting as the Director of the North West for a 6 month period.

The Association of British Credit Unions (ABCUL) is the main trade association for community banks in Britain, governed by volunteer directors. It represents its members to governments, policy makers and the media and provides a full range of information, training and development services to help its members grow as sustainable financial services providers.

ABCUL’s vision is that “Community banks will become the primary source of affordable, high quality and ethical financial services for the people of Great Britain.” This goes hand in hand with Northern Community Bank’s intentions in improving financial well-being and helping to build a more vibrant local economy.

All of the staff and board are extremely proud of Debbie taking on this role as it will provide a great voice for Northern Community Bank and other community banks across the North-West, whilst, allowing Debbie to gain a great insight to the world of the ABCUL Board.

I find Board Governance very interesting and something I have always been keen to explore. I am grateful for the opportunity to see it from the other side.

Her role involves attending regular meeting to discuss issues raised by members, hearing different forums across the UK, setting policy and strategy and voting on different arising matters.

Although only a 6 month term, being elected as a Director of the ABCUL Board is a fantastic development opportunity for me at a very exciting time for ABCUL, during the launch of Vision 2025. The ABCUL Staff and Board have been very welcoming and supportive and I am looking forward to working with them over the coming months.

On behalf of us all, congratulations Debbie this role couldn’t be more deserved!

We look forward to you sharing your valuable insights and learning with us as we are certain this will be a key factor in improving our local community’s financial wellbeing when providing the necessary financial services such as ethical saving and affordable loans.

Make your home sparkle with home improvement loans for Christmas

October 8, 2020 9:21 am Leave a Comment

Whatever the end of 2020 has in store for us, there will be no getting away from Christmas 2020. It may not be the type of Christmas we’re used to, but that’s not going to stop us celebrating anyway we can.

Boris has already indicated that the ‘rule of six’, along with the latest lockdown rules, could last six months. That could mean no Manchester Christmas markets; no New Year’s Eve parties; no office Christmas do. Nobody truly knows what the situation is going to be come December, but the chances are we’re going to be spending a lot more time at home. So, put down your letter to Santa and let’s talk ‘2020 home improvement loans for Christmas’.

No time like the present…to treat yourself to a present

Going out and buying something for your home is one of life’s great pleasures. Maybe it’s time for a new television; right in time to watch your favourite Christmas film. ‘Elf’? ‘Wonderful Life’? ‘Home Alone’, of course. What about a new sofa to sink into on the dark, cold winter nights? Maybe you’ve been especially well behaved this year and fancy treating yourself to a brand new kitchen.

December 25th is fast approaching and if you want your shiny new gift, or gifts, in-situ before the big day, there’s no time to waste. The time-honoured last-minute Christmas Eve dash around the Trafford Centre isn’t going to cut it. Companies are more likely to have longer lead times at the moment due to the effects of coronavirus, therefore it’s imperative you get your orders in early.

Northern Community Bank can make ‘2020 home improvement loans for Christmas’ a reality

Whatever your dream purchase is, Northern Community Bank is here to make that dream a reality. Christmas is the season of goodwill after all. We also know Christmas can end up the season of bad credit, too. Our ‘2020 home improvement loans for Christmas’ will enable you to spread the cost of the festive period over a longer duration, with affordable low-interest rates. These loan decisions are made quickly with money being sent to your bank the same day, allowing you to shop around and pay upfront rather than relying on expensive repayment plans offered by retailers. When it comes to our repayments, these are tailored to suit your financial needs. And they come with the option of making additional payments whenever you wish, with no early penalty fees.

Northern Community Bank may not be able to help you feng shui your living room but when it comes to home improvement loans for Christmas, we are most definitely on the (snow) ball. Although, if your still unsure our dedicated team is always on hand to answer any questions you may have regarding our home improvement loans, whether that’s over the phone or in person at our branches. Give us a call on 01282 691333 to find out more.

Our Small Loans Can Help You Out

October 2, 2020 10:30 am Leave a Comment

Here at Northern Community Bank, we like to be there for our account holders whenever they need us. If you need to replace your kitchen, for example, or buy a car, you can talk to us about taking out a loan that can provide the money you need to get the best possible deal. On many occasions, however, our account holders come to us for small loans, and when they do we’re more than happy to help out.

The kind of small loans we’re talking about are similar to those which you often see advertised by payday or high interest lenders. It can be an amount of up to around £500 which you need because your washing machine has suddenly decided to stop working, the car needs expensive repairs or simply because two or three kids all need full school uniforms buying at once. The small loans we provide aren’t necessarily a life-changing amount, but the money can help our account holders to get over a temporary hiccup in their finances, and they can do this because we operate as an ethical lender.

Being an ethical lender means that when we provide small loans we do it to help our account holders, not to use them to make money. That’s because we’re a not for profit organisation, so our small loans have interest rates which we keep as low as possible. When you come to us to ask for one of our small loans we’ll do our best to help you out, and will set up any repayment plan in a way which means you’re able to pay the money back without undue stress and anxiety.

We understand that our account holders may have credit ratings that make it difficult to borrow money elsewhere, but we don’t see why the fact that you may have had problems with credit in the past – or even that you haven’t accessed credit very much recently – should stand between you and small loans you can afford to repay today.

Even if you want to borrow slightly more to pay for something like a holiday or more extensive home improvements, our small loans of up to £1000 are handled in the same, highly ethical manner as everything else we do. The interest rate which you see advertised will be the rate which applies to everyone who borrows money, rather than simply being a headline rate designed to attract custom. Additionally, we can guarantee that there will be no extra charges or fees hidden in the small print when you take out one of our small loans. What you see is what you get, and that’s the chance to borrow the money you need to deal with a specific issue.

Once you’ve provided us with the information we need we’ll try to reach a decision in as little as two working days. If your application is successful, one of our small loans will be transferred to your bank account immediately, leaving you free to spend the money you need and get on with the rest of your life.

Make this year a money saving Christmas

October 1, 2020 10:31 am Leave a Comment

Preparing for a Money Saving Christmas – Make a list and check it twice

It does not matter that it occurs at the same time every year, Christmas seems to catch many of us out every year. Even for those that are super-prepped you can guarantee something ends up costing more than they expected or items go un-used. This is hardly surprising when according to the Bank Of England the typical household expenses increases by £800 in the month of December.

After discussing how to save money at Christmas in our branches with both our account holders and Northern Community Bank staff we’ve created a list; like a 7 years old’s Christmas present wish list it is quite long, however, we guarantee a number of these will help you have a money saving Christmas;

Budget – always at the top of any money related list but budgeting for Christmas is vital if you want to control your spending. Traditional pen and paper or modern phone apps, it does not matter, getting it down in advance will help. Decide how much money you have available or can save before deciding who you have to buy for, how much to spend on presents and whether you can afford the nights out you’re invited to. We will have to see if this year’s Christmas works do or nights out actually happen….
Make a list and check it twice – simple. Cut down the present list. Prioritise.
Start shopping early – if you’ve missed the boat this year then set a reminder in your phone for summer 2021. Have a spot in the house where you store items, a bottom cupboard or a secure spot in the (dry) attic. Heck some start buying in January when the sales start!
Search for the cheapest deals, vouchers or price match. Shop online or check online then check whether the high street will price match. Use an incognito or private browser, so you are not charged more by online retailers.
Online price trackers – There are many, with everyone’s favourite search engine Google provide a reliable service. A number of others allow you to compare well known websites including; ShopSavvy, Scanlife, Honey App, Keepa and CamelCamelCamel.
Don’t go Christmas shopping with you children, friends or family. We know this doesn’t sound very festive but unless they are a good influence (let’s be honest we mean penny pinching influence) they’re best left at home.
Online marketplaces are great places to find new or used items such as Ebay, Facebook market place and Gumtree.
Section 75 laws – If the items you purchase are over £100 then pay with a credit card. Section 75 means the credit card company should take some responsibility if things go wrong with your purchase.
Unused Vouchers? Have you got a pretty box with unused store voucher cards that you didn’t get around to spending in time or worst still…the store doesn’t exist anymore.
Discourage children from watching every Christmas advert going, hard but doable with some distraction. The Argos catalogue used to be the big worry, 700 pages with 3000 circled items for Farther Christmas.
IOU or BWYW – instead of wasting cash on a guess, if you think your partner or family would take a “Buy What You Want” credit note, it could result in them getting what they want and you not wasting your precious cash….let’s be honest you’re probably going to buy the other items they really want at some point in the year.
Discount and Pound shops –There is nothing wrong with cheap stocking filler. Toiletries and other essentials are great options for stocking fillers, they also reduce the need to buy in the difficult ‘skint’ months after Christmas; we did say we were looking at ways to help you save money.
Make your own decorations, we know we know – we’ve all walked into a friend’s house and given the home-made snow angel with one wing a second glance but children love getting involved.
Do you buy decorations every year and then find you already have something similar? You’re not alone, have a little look at your stocks before buying new. Although, don’t bother getting the tree out covered in fake snow…
Real or artificial tree, this is your preference but buying a real tree to decorate your carpet each festive season is not the greatest way to keep cost down.
Food waste – think back to last year and every other years you’ve been in charge of the Christmas shop….did you need ALL THAT FOOD? Did you throw certain items away?….did only one person eat a certain item at your Christmas feast?
Secret Santa – It’s not just for work. It can be great to use with circles of friends and your extended family too.
Gift a charity donation or agree not to buy for family or colleagues.
Think twice about a store card – the interest rates are not always favourable!
Cashback and using Store Loyalty points you’ve built up – Northern Community Bank’s exclusive Engage Debit Card has a wide range of cashback rewards and a handy calculator to find out what rewards your purchases could earn found here. If you’ve built up loyalty point from purchase throughout the year with stores or companies, now may be the time to cash in .
Not used it since last Christmas? Maybe it was not a must have item….move it on and make some money back.

Finally, deposit all the money you save in to a Christmas Club account with Northern Community Bank. This money is fully protected by the FSCS and allows you to only make cash or BACS withdrawals during the months of November and December. Ensuring these savings can only be used to purchase your festivities.

Budget. Plan for next year. Re-read the list.

Northern Community Bank will join Credit Unions globally in celebration of ICU Day 2020

September 30, 2020 1:27 pm Leave a Comment

On October 15^th, 2020, Northern Community Bank will join with 85,000 other Community Banks worldwide to celebrate International Credit Union Day (ICU Day). This annual event dates back to 1948 celebrating global awareness for the Credit Union movement through outreach, volunteering, fundraising and other ICU Day activities.

With over 270 million Credit Union account holders around the globe, Northern Community Bank will join them in celebrating the not-for-profit financial cooperative spirit that all Credit Unions share.

This spirit has created opportunities to enhanced members quality of life globally. Allowing people the financial freedom in purchasing a house, a car, a wedding or even a family holiday where prior to this they were denied by other financial institutions. Credit Unions welcome their communities trust in providing them with ethical savings and affordable loan financial services to overcome their everyday hurdles, unexpected loss or disaster.

This year’s theme for the 72^nd anniversary of ICU day is “inspiring hope for a global community” as “what better way to show how credit unions from across the world provide hope through financial services, education and support than to highlight how credit unions have advanced the lives of members during the economic uncertainty wrought by the coronavirus (COVID-19) pandemic.” Michelle Kamke, Marketing Projects Manager at CUNA.

Credit Unions and Northern Community Bank alike uphold an inspiring ethos in investing in its community to provide a better financial future for tomorrow. To do this the credit union pools member’s savings to provide affordable loans – it’s literally people helping people! That’s why ICU Day is widely celebrated, because Credit Unions inspire hope in improving people financial future on a worldwide scale.

Northern Community Bank has proudly operated for the last 38 year and throughout the coronavirus pandemic ensuring our account holders have access to the money they need, when they need it the most. So if you or anyone you know lives or works in the boroughs of Burnley, Pendle, South Craven, Ribble Valley, Rossendale or Hyndburn and would like access to financial services such as ethical savings and affordable loans – Join us as we celebrate this movement.

If you do not fulfil our membership criteria please click here to find your local credit union.

When it comes to PS5 pay monthly options, Northern Community Bank is a real game changer

September 12, 2020 1:13 pm Leave a Comment

All I want for Christmas is…a PS5.

Parents up and down the land will have been hearing this more and more in the run up to Christmas. Unfortunately, games consoles do not grow on Christmas trees and ‘PS5 pay monthly’ will now be getting Googled more than ‘Best way to cook a turkey?’

For every PS5, there will no doubt also be a FIFA 23 or a Fortnite – or both – and that can mean ‘game over’ for our bank balances.

While Christmas may be a time for over-eating, it’s not a time for over-stretching and Northern Community Bank’s gift to you this festive period is that of financial management. Not as tasty as a box of Celebrations, admittedly, but our job is to spread more than just goodwill at Christmas, we want to spread out your costs. And that’s why if you are looking at PS5 pay monthly options then you need to be talking to us.

A lot of lenders, such as the rent-to-own firms on the high street, offer quick fixes without any care or consideration given to the applicant and the repayments they’re faced with afterwards. At Northern Community Bank, we want our account holders to be part of our community for life, not just for Christmas. That’s why we tailor repayment to suit the individual. And it’s why all our account holders are given a savings account when they join.

For anybody that takes out a loan with us, there is a minimum saving amount. These small (they can be as small or as big as you like) but regular payments soon build up and mean come next Christmas, you’ll be unwrapping a nice little bonus of your own.

All account holders also have access to a secure ‘Online Account Area’ where balances can be checked, withdrawals requested and loan applications submitted. Unfortunately, there is no ‘Best way to cook a turkey’ section.

I know we’ve been talking a lot about PS5 pay monthly options but I can assure you we are in no way affiliated with Sony. Obviously our loans can be used for any items you may wish to buy this Christmas – Xboxes, mobile phones, laptops, tablets.

If you do want to know more about the types of loans we have available or have any questions about Northern Community Bank in general, please don’t hesitate to contact us on 01282 691333.

Head in a new direction when looking for used car finance

September 10, 2020 2:36 pm Leave a Comment

It’s been an eerily quiet few months on the roads. However, with schools starting to re-open, and the majority of people back on their work commute; the dreaded traffic jam is once again very much part of our daily routine. While we may still be some way off a return to ‘full normality’, car sales certainly look like they are getting back on the right track.

According to figures released by Experian, car finance applications rose to 597,000 between July 1st and August 24th – a 24% increase on the same period in 2019. Meanwhile, searches on Experian’s Marketplace, where people can compare car finance deals, have increased by 291% since the lockdown began.

Why are new and used car finance applications on the rise?

Showrooms may have been forced to close during lockdown, but that has evidently only fuelled consumer demand. The need for a new car it seems is never far away.

Maybe you’re worried about an upcoming MOT or service.
Maybe your unreliable car battery can already sense those wintry cold mornings are on the way.
Maybe you have concerns over using public transport. A car would certainly help put your mind at rest.

With vehicles sold in September bearing the new ’70 plate, many are anticipating the forecourt frenzy to continue as motor traders look to build on that bumper July/August while making up for lost time during the pandemic. This could lead to a flurry of tempting deals, putting anybody on the lookout for a new car firmly in the driving seat. Of course, not everybody is in the market for a brand new car and that’s why used car finance is also an option buyers often find themselves exploring. At Northern Community Bank, we’re asking you to forget about ‘new or used car finance’ for a moment and come on a little trip with us.

Northern Community Bank is here to give you a lift when it comes to car loans

Car dealerships are driven by sales and commission with new or used car finance deals often communicated in an intentionally misleading manner. Many garages and dealers, for example, offer finance which starts at 12.9% Representative APR, which is more than we’ll charge for a loan of over £3,000. The word ‘representative’ means that the rate in question only has to be offered to 51% of applicants. With us, on the other hand, the rate we quote you is the rate you pay, every time.

Northern Community Bank offers car loans of up to £15,000 meaning you can look at buying your new or used car outright, without being tied into high-rate finance plans with dealers.

There are no set-up fees, no early settlement penalties – allowing you to make extra payments if you wish to pay off the loan quicker – and our interest is calculated on a decreasing balance. On top of this, there’s also no balloon payment at the end of your agreement, just a straightforward tailored arrangement to suit your financial circumstances. If you’re still a bit unsure, give us a call on 01282 691333 and let us help point you in the right direction.

It’s the most wonderful time of the year….for Community Bank Christmas loans

September 9, 2020 9:39 am Leave a Comment

It’s happened again, hasn’t it?

One minute you’re planning where to go for your summer holidays; next thing it’s September, the nights are drawing in, and Christmas countdowns are popping up all over Facebook.

While 2020 may not have exactly gone to plan – those summer holidays have been more Barley than Bali – nothing is stopping us from looking forward to Christmas at Community Bank HQ.

We have a feeling this year is going to be more special than ever…and that’s why we want to make sure you know all about Community Bank Christmas loans.

Don’t let poor financial planning ruin your Christmas

Everybody knows a successful Christmas is all in the planning. Getting on top of your finances early means you can sit back, relax, and enjoy the run-up to December 25th; instead of running around like a headless turkey.

And that’s precisely what a large number of our account holders are doing with applications for Community Bank Christmas loans on the rise since July/August.

No surprise either given the fact big names like John Lewis have already opened their Christmas shops with searches for festive items quadrupling compared to this time last year.

Now is definitely the time to be on the lookout for a few early bird deals, or maybe you’re waiting for one of 2020’s big releases.

Those industrious Lapland elves certainly haven’t spent the last few months furloughed. We have the new Playstation 5, the Xbox Series X, the iPhone 12, and the new Apple Watch Series 6 all hitting shelves in the next few weeks – and none of these shiny little stocking fillers are going to come cheap.

Thankfully, Community Bank Christmas loans are here to help. These festive lifesavers are available to account holders across Pendle, Burnley and all the surrounding areas, and enable you to treat your loved ones to the Christmas they deserve this year…even if you do need to spend that little bit more.

Also, our loan decisions are made by real people, not computers. So even if you have bad or little credit history there’s still a good chance your application will be granted.

Why not open a Northern Community Bank’s Christmas Savings Account?

Community Bank Christmas loans will help spread the cost of the festive season over a longer period. Our Christmas Savings Account is for those who want to save up throughout the year but struggle with unexpected bills chipping away at their finances.

Withdrawals from the Christmas Savings Account can only be made in November and December, meaning festive funds remain festive funds.

And remember: we do not charge fees, we do not take a percentage of your money, and you are not tied into using the money you saved in certain shops. After all, that would not be very Christmassy.

Account holders are still more than welcome to join – there’s currently £160,000 in this year’s Christmas Savings Account – and any money left in your account past December 31st will help get the snowball rolling for next Christmas.

Northern Community Bank has been a trusted community helper for more than 38 years now. And in that time, Community Bank Christmas loans have helped thousands of families navigate one of the most financially stressful times of the year. If you need a helping hand this year, please don’t hesitate to get in touch by calling us on 01282 691333 or popping in to one of our branches.

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£500 Family Loan

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Home Improvement Loan

Wedding Loans

Holiday Loans

Pet Loans