24pete, Author at Northern Community Bank

Why we Offer the Best Loans for Bad Credit

March 20, 2018 10:44 am Leave a Comment

There’s no escaping the fact that having a bad credit rating can have a huge impact on a person’s life. In the first instance, of course, you’ll find it hard to persuade anyone to lend you money, and many other arrangements – such as those for renting property or even taking out a mobile phone contract – are only offered on the basis of a credit check. Here at Northern Community Bank, we treat our account holders as individuals and as part of the wider community, and that’s why we’re happy to give the best loans for bad credit to those account holders who we genuinely feel will be able to pay back the money we lend them.

We can make this kind of offer because we run on a not for profit basis. Many people with a poor credit rating find that they can only borrow money, if at all, from lenders who charge very high interest rates, almost as a means of ‘punishing’ them. We don’t approach the business of lending money with that kind of mindset because we don’t have to generate the money to pay shareholders or fund lavish bonuses for our directors. Our loans for bad credit are the best loans for people who struggle to borrow elsewhere because we keep our interest rates as low as possible.

As well as being low, our interest rates are transparent and consistent. Every single account holder will be charged the same rate, no matter what kind of credit rating they have, and the amount we advertise will be the exact amount you pay, with no hidden charges or small-print fees. We work to benefit our local community by lending in an ethical manner, and to us, that means allowing our account holders to enjoy the ability to spend money without the stress of worrying how they’ll pay it back.

We also design our services to offer the complete ethical package. Every repayment from a borrower includes a small amount which is used to bolster their savings, and the money we make is utilised to offer services such as a free bereavement fund benefit and to pay out a share of the profits to all of our account holders from any surplus profit.

We understand how daunting it can be to apply for a loan, particularly if you have a bad credit rating and a history of being turned down. That’s why we keep the process simple and deal with each applicant on an individual basis, rather than making them feel as if they’re grappling with a faceless bureaucracy. Once you’ve given us all of the information we need we’ll reach a decision within a couple of days at the most, and we promise never to lend you an amount or to set up a payment plan which we don’t think you’ll be able to afford. In circumstances where we do not feel we can approve a loan, our staff always attempt to explain why we have come to that decision.

Our ethical approach, low-interest rates and transparent and accessible way of working makes Northern Community Bank by far the first port of call if you’re seeking the best loans for bad credit. You can access the money you need, contribute to an ethical local organisation and even take the first step toward rebuilding your credit rating, all at the same time as knowing you’re a part of a much wider community.

We Provide Loans for Poor Credit

March 8, 2018 10:34 am Leave a Comment

All too often, lending money to people is seen as a chance to make a profit, rather than as a way to help those people and the wider community. Here at Northern Community Bank, we don’t look at it in that way. We’re a not-for-profit organisation and that means that our loans for poor credit are designed to help our account holders rather than making money from them. We don’t have to generate dividends for shareholders or big bonuses for the members of the board, and any money we do make is used to boost the area in which we’re based.

The first and most obvious advantage of this approach for our account holders is that our loans for poor credit come with the lowest possible rate of interest. We want to make sure that anyone who borrows from us is in a position to pay the loan back without suffering hardship or borrowing more money elsewhere, and so we set our interest rates at a level which is affordable. On top of this, we guarantee that the rate we publish will be the rate which every one of our account holders has to pay. Some lenders may charge more for anyone who has a poor credit rating, but we believe in treating each of our account holders as an individual, rather than simply a number on some database.

The second big plus point of the way we work is that we are committed to making a positive difference to the community surrounding us. To begin with, this means lending to members of that community and giving them the power to spend and make purchases without the stress of worrying if they’ll be able to pay us back. What’s more, every one of our account holders is a member of our co-operative, which means that they’re a part of Northern Community Bank rather than just a customer. Every year after paying for the expenses of running the community bank, we return the surplus profit back to account holders in the form of a dividend and we also use the position we have in the community to offer products such as a free bereavement fund benefit. We also offer the convenience of pre-paid cards and make it easy for people to save at the same time as they are paying back their loans for poor credit.

We keep the application process as simple as possible and deal with account holders on a one-to-one basis rather than via some remote call centre. We’ll only ever lend you an amount which we’re confident you’ll be able to pay back, and once you’ve provided us with all the information we need we’ll reach a decision as quickly as possible. This means you’ll know if you’ve got the loan within two working days and, where possible, on the very next day. If your application is successful the money will be paid instantly into your account, leaving you free to spend it however you wish.

Our Personal Loans Can Make Your Life Easier

February 20, 2018 10:32 am Leave a Comment

There are numerous reasons why people might need to take out personal loans. For many it is the most obvious choice when they need to replace an individual expensive item such as a car, or want to invest in improving their home. Others may take out a loan to cover the cost of a holiday or to cushion the extra expense of a period such as Christmas. Whatever their reason for taking out personal loans, people have every right to look for the best possible deal and the most affordable package.

Here at Northern Community Bank that’s exactly what we offer our account holders. As a not-for-profit organisation we don’t have to generate returns for shareholders or bonuses for executives. We can focus entirely on providing the finest service for our account holders and doing our bit to help boost the local economy. That’s why our ethical personal loans are designed to be affordable, convenient and flexible no matter why they are needed.

Account holders sometimes borrow from us because they want to use the money for debt consolidation. This involves turning several smaller debts – such as high street loans, bank overdrafts, credit card debts etc. – into a single loan repayable at our attractive interest rates. Not only does this reduce the amount being paid back every month, but it also simplifies the process, turning multiple payments into a single payment, and making it much easier to manage personal finances.

The main advantage of our personal loans is the transparent way we work. The loan rate we advertise, as well as being kept as low as possible, is the rate which every single one of our borrowers will be charged, and we guarantee there are no hidden charges tucked away in small print. When account holders apply to us for personal loans they deal directly with a human being rather than having to talk to a distant call centre, and we aim to handle all applications as quickly as possible.

In the majority of cases we’ll have an answer for an applicant in a couple of days and, providing all of the information we need has been provided we might even be able to respond by the next day. We never lend more than we think an applicant will be able to repay and we’ll set up a payment plan which is simple and affordable, and which includes paying a small amount back into a savings account, so account holders can continue building their savings at the same time as repaying their loan.

Once the loan has been agreed the money will be transferred directly to the applicants account. This means that they then have the freedom to spend it exactly as they wish, and to shop around for the best deal armed with the knowledge that they have the funds to make an up-front payment. Whether taken out for a holiday, a new kitchen or a set of school uniforms, personal loans from Northern Community Bank take the stress out of dealing with debt and finances, and provide a sense of control, reassurance and personal freedom.

Our Online Loans Make Controlling Your Finances Simpler

February 10, 2018 10:42 am Leave a Comment

Here at Northern Community Bank we like to combine old fashioned virtues such as customer service and accountability with the latest technology. That means we never lose sight of the importance of the personal touch, and of treating our account holders like human beings rather than just numbers, but at the same time we try to make things as quick and simple as possible by offering options such as online loans.

Our online loans make it easier to apply to borrow, and speed up the turnaround time, making it simpler for our account holders to enjoy the peace of mind of knowing that they’re borrow from a genuinely ethical lender. Being an ethical lender means that we work on a not-for-profit basis and plough any money we do make back into the local community. It also means that we’re able to offer the lowest interest rates we can, and to operate without things such as set up fees, late payment penalties and early settlement penalties.

When someone takes out a loan with us they know from the beginning exactly how much interest they’ll be paying, and that the rate we advertise is the rate we charge all borrowers. They also know that the amount of interest paid will reduce as the loan is paid off, and that we’ll only ever lend an amount they are able to pay back through a payment plan which matches their circumstances.

Every application, including those for online loans, is dealt with by an individual member of our team rather than some faceless computer, and we always try to come up with a response within a couple of days. By putting the process online and allowing applicants to apply at a time best suited to them, we’ve made it quicker and simpler and, if you provide all the information we need, we may even be able to give you an answer as soon as the next day. As soon as a loan has been approved, what’s more, the money will be transferred to your account, leaving you free to spend it with the peace of mind of knowing that you’ve taken control of your finances.

Account holders can use our online loans however they wish, and that covers everything from borrowing £100 to put toward the cost of replacing school uniforms to asking for £5,000 to purchase a new car without having to deal with a much more costly finance package. The exact amount borrowed will depend on the circumstances of the account holder and how much they can realistically afford to pay back. Ethical lending means responsible lending, and we would never set a repayment plan we do not believe the borrower is able to meet.

In some cases the loan may be used to consolidate several existing loans, bringing down the overall amount paid back each month and simplifying it to one repayment. We understand that dealing with financial issues, particularly during a time of low wage growth and rising prices, can be extremely difficult. Our online loans are just one of the ways in which we try to help our account holders afford the things they need without slipping into unaffordable debt.

A Credit Card Consolidation Loan Will Bring Your Debts Under Control

January 25, 2018 10:26 am Leave a Comment

No matter how carefully you budget for Christmas – saving money all year, setting strict spending limits and seeking out bargains – it’s still all too easy to overspend. Lectures about not spending too much are all very well, but we all want to make sure our families enjoy the best Christmas possible, and this might mean turning to credit cards. If you have used credit cards and the bills are starting to come through the letterbox, then a credit card consolidation loan from Northern Community Bank can make repaying the debt much easier.

Getting carried away with credit card spending is something which is easy to do. You’re not handing over any money at the time, and repayments that are a couple of months away can feel as if they’re never going to arrive. If you’re now juggling several separate credit card repayment plans, or you’re finding it difficult to meet the repayments being demanded, then a credit card consolidation loan could remove the stress and anxiety you’re suffering.

A loan from Northern Community Bank is one which is given on an entirely ethical basis. We don’t have to make profits for external shareholders or fat cat bosses, any surplus money we do generate is used to benefit our account holders and the wider local community. Our ethical stance also means that we keep interest rates as low as we can and, unlike some other lenders, we offer the same interest rates to every account holder. On top of this is the fact that what you see is what you get – we never use hidden fees, charges or penalties.

A credit card consolidation loan will enable you to clear multiple debts at once and to relax in the knowledge that you now have just the one regular repayment to organise. Once you’ve provided us with all of the information we ask for we’ll come up with a decision as quickly as possible. When we can, we like to decide within a day, but it never takes us more than a couple of days. As soon as your application is approved the loan will be transferred to your account, leaving you free to clear your debts and stop worrying.

Throughout the process you’ll be treated as a human being rather than a number, dealing personally with members of our team who will answer any questions and deal with your application in a sympathetic and transparent manner. Put simply, a credit card consolidation loan is sensible lending, allowing you to clear your debts in an affordable and convenient manner, and placing the power in your hands rather than that of the credit card companies. If you’re juggling repayments or feeling swamped by high-interest rates then contact us today and find out exactly what a loan of this kind could do for you.

What’s Wrong With My Credit Score

January 17, 2018 2:53 pm Leave a Comment

What’s Wrong With My Credit Score

Have you ever applied for credit, whether it is car finance, a mobile phone contract, credit card or a personal loan and been turned down because of your credit score? You are not alone and the reasons can feel baffling sometimes. Sometimes it feels like we are trying to do everything right, using credit, paying bills and rent on time but occasionally coming up against the Bank’s ‘Computer says NO’.

A credit score is an estimate of the ability of a person to fulfil their financial commitments, based on previous dealings. Credit scores are not only used in lending but are often checked for rent agreements and utility companies. Credit is often an essential part of family life for funding everyday essentials and major purchases. It is an essential part of managing cash flow and budgeting peaks of expenditure.

Credit scores are given by credit reference agencies to lenders such as Banks, loan and credit card companies and are one of the ways that help them assess credit applications. Every three months the Bank of England conducts a ‘Credit Conditions Survey’ with U.K Banks and Building societies to assess how they are lending to the public and how they see future lending.

The most recent feedback from the Banks suggest that they have been reducing the supply of money through lending towards the end of 2017, whilst planning to tighten up scoring criteria by increasing the credit scores needed to be accepted for unsecured borrowing going into the start of 2018.

If it feels like you keep getting turned down for credit, maybe it’s them not you?

Applying for a loan at Northern Community Bank is different. 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. We also promote ‘Save as you Borrow’ which allows account holders to build savings whilst reducing loan balance, meaning the borrower is better placed in the future to withstand unexpected expenditure.

Northern Community Bank reports to the credit agency Experian for all loans taken which means if an account holder makes the correct payment on time their credit rating will improve. As a not-for-profit community financial co-operative, Northern Community Bank is committed to offering products and services that help account holders manage their money and build up a history of good money management.

Applying for a Northern Community Bank loan is refreshingly simple. You can apply for smaller loan values that you would only get with high rate lenders, but at a lower rate of interest, whilst being competitive with loans up to £15,000. Apply online today or pop into one of our four branches found in Nelson, Colne and Burnley, to complete a loan application form. If you require any further information contact us today.

If you’ve been turned down by the Banks or other lenders and are left wondering what is wrong with your credit score, then speak to Northern Community Bank today – you may find out it was not you all along.

Northern Community Bank remembers founder member Lou Gildea

December 19, 2017 3:44 pm Leave a Comment

Northern Community Bank remembers founder member Lou Gildea.

It is with much sadness that Northern Community Bank received the news that Lou Gildea passed away. Lou and his wife Mary were the founder members of Nelson Credit Union which was formed in 1982, now widely known in the community as Northern Community Bank.

Lou was President for the first 21 years and remained a director on the board for a further 4 years. He continued to keep an eye on the growth and progress made by the Community bank movement across Pendle and Burnley, attending board meetings until last year, as well as attending the Annual General Meetings.

Lou had worked as a Credit Union Developer for Burnley Borough Council until his retirement and helped set up local Community Banks and was well respected in the Community Bank movement. There is a long list of Lou’s achievements and all at Northern Community Bank were very pleased when he was awarded the Pioneer Award at the ABCUL Conference 2014. He was extremely proud to receive the award.

It is the end of an era for Northern Community Bank, Lou was an inspirational man who worked tirelessly for Northern Community Bank, setting strong foundations for us to build on. Without Lou and Mary we would not have the Credit Union we have today which has helped so many people in the community.

Take the Stress out of Christmas Shopping with a Northern Community Bank Loan

November 28, 2017 4:12 pm Leave a Comment

Watch enough TV adverts and it’s easy to believe that Christmas shopping is all about strolling down quaint, snow covered high streets clutching brightly coloured parcels with a huge grin on your face. The truth of the matter, of course, is that Christmas shopping is often a highly stressful affair, and that’s just when you sit down and start to work out how much it’s going to cost you.

The fact that we all know when Christmas is going to take place should make it simpler to budget for, but somehow this is easier said than done. The truth of the matter is that, at a time when inflation is outstripping wages and many people are struggling to pay for the basics, putting something aside to cover the cost of Christmas shopping can often be all but impossible.

Even if you do manage to save a little, the demands, especially if you’ve got children, can often be difficult to meet. You may not be able to afford the gifts they’ve set their heart on, but explaining that to a five year old who still believes in Father Christmas is easier said than done. Even if you haven’t got children to provide for, Christmas can still stretch the purse strings, not least because, if you work hard all year then the least you can expect is a little bit of fun and indulgence on and around the 25th December.

The temptation can sometimes be to miss a couple of bill payments, or perhaps hold back on the rent for a week, telling yourself that you’ll be able to catch up in the New Year. Not only does this guarantee a pretty miserable January, but it’s also often the first stage of a gradual slide into debt which can quickly snowball out of control. The solution to this problem is to take out an affordable loan from Northern Community Bank to cover the cost of your Christmas shopping in return for regular repayments which you’ll find it easy to meet.

We can make that promise because we operate as a not for profit organisation. Any money we do make is ploughed back into the local community to benefit the lives of all our account holders, and not having to produce profits enables us to keep our interest rates lower than other lenders. As well as being affordable our loans are ethical – we’ll only lend you what you can afford to pay back, and we don’t bother with hidden charges or extra fees. The interest rate we quote is the rate which every single one of our account holders is going to be charged.

If that sounds like the solution to your Christmas shopping dilemma then get in touch with us today. All of our loan applications are handled on a personal, one to one basis. Provided you’ve given us all the information we’ve requested we’ll be able to give you an answer within two working days, or even on the day itself. Once we’ve approved a loan the money will be transferred to your account, leaving you free to actually enjoy your Christmas shopping, safe in the knowledge that you can easily afford every single penny.

Make This Christmas Extra Special with a Home Renovation Loan

November 23, 2017 3:43 pm Leave a Comment

It’s very nearly Christmas, the time of year which places more demand on the average household budget than any other. From gifts to food and drink, even if you’ve spent months saving it can feel as if the money never quite stretches far enough. This is particularly true if you want to give your house a bit of a facelift for the festivities, and that’s why a Northern Community Bank home renovation loan is such a good idea.

If Christmas is about anything it’s about family getting together and enjoying each other’s company. If you’re going to have relatives over for Christmas dinner, or perhaps to stay for longer during the festivities, then a home renovation loan can really help you to put them up in style. You might want to splash out on a new carpet, a new sofa or perhaps a dining suite to provide the perfect backdrop for turkey with all the trimmings. Whereas items like this might previously have seemed financially unfeasible during the Christmas period, a home renovation loan makes it possible to revamp your surroundings without impacting on the rest of your spending.

Whilst there’s no shortage of high street lenders or other outlets offering money, a loan from Northern Community Bank offers several advantages. The first is that we’re a not for profit organisation run for the benefit of our account holders and the wider community. We don’t have to create a dividend for the shareholders or pay any executive bonuses, so we’re able to offer the kind of low-interest rates you’ll find it hard to match anywhere else.

On top of this is the fact that we’re completely straight with our lenders – there are no hidden charges or extra fees, and the interest rates we advertise are the rates which every single account holder will be charged. We’ll only lend you what we think you can afford to pay back, at repayments we feel you’ll be able to make, and some of every payment will be placed in your savings, so you’re building them back up at the same time as paying off the loan.

When an account holder applies for a home renovation loan with us they deal with a human being rather than some remote call centre, and they get an answer within a couple of days, if not the same day itself, provided they’ve given us all the necessary information. Once the decision is made the money is transferred directly into their account, putting them in the enviable position of being able to shop around and pay in full up front, rather than having to rely on the often expensive repayment plans offered by retailers.

A Northern Community Bank home renovation loan can help to make your Christmas extra special without creating the worry of having to meet unreasonable repayments and expensive interest rates at the start of the New Year. If you’re busy working on your Christmas wish list just think what else you’ll be able to add to it with the help of an affordable loan from an ethical lender like Northern Community Bank.

Take Out a Baby Loan for Your Precious New Arrival

October 26, 2017 12:52 pm Leave a Comment

When dealing with the sheer range of emotions you’re faced with when a new baby arrives, it’s often easy to forget just how much money you’re going to have to spend. From baby clothes and bedding through to cots, bottles and toys, the number of items you’ll need, and need quickly, is often pretty overwhelming. That’s why a baby loan from Northern Community Bank can be so useful.

It virtually goes without saying that the costs of a baby begin before they’re born and extend even beyond their eighteenth birthday. It’s only natural for you to want the best you can possibly afford for your child. Having a baby is stressful enough to begin with, but if the sleepless nights, endless feeds and changes are added to by stresses over unpaid bills or expensive interest charges, then it can soon start to feel a bit overwhelming. Long term budgeting will make dealing with the impact of a new baby simpler, and a baby loan will go a long way toward making that budgeting possible for the more expensive items you’ll need buy.

Unlike many lenders, we work on a not for profit basis, and that means we can keep our interest rates as low as possible. It also means that we offer the same low interest rates to all of our account holders. We don’t believe in hidden charges or underhand small print, so what you see is exactly what you get. When you take out a baby loan with us you know exactly what you’re borrowing, how much it costs overall and what the individual repayments are. On top of that, we make sure that a percentage of each payment you make goes back into your savings account, so you’re building your savings at the same time as you’re enjoying an affordable baby loan. Any profits we do make are ploughed back into the local community, meaning that a baby loan from us helps to make the world around your baby a better place at the same time as helping you to provide for them.

Last but by no means least is the fact that a Northern Community Bank baby loan puts you in a position of power when it comes to seeking the best prices. With a lump sum in your account you’ll have the flexibility to shop around for the best possible deals, taking advantage of special offers for one off purchases or the ability to buy items such as nappies in bulk.

We realise that any expectant parent, or those with a new arrival, will have a lot on their minds. That’s why we make the process of applying for a baby loan as quick and simple as possible. You’ll be dealing with a real person who’ll take the details needed and come up with an answer either the same day or within two working days when we have all the information required. If it’s a yes, then the money will be transferred to your account the same day, allowing you to get on with the task of buying everything your baby needs, and maybe even a couple of treats to pamper the exhausted new parents.

Our Loans for Christmas Allow our Account Holders to Enjoy the Festivities

October 18, 2017 12:27 pm Leave a Comment

It may still be autumn, and we haven’t yet enjoyed Bonfire Night, but there’s no escaping the fact that Christmas is looming on the horizon. Here at Northern Community Bank we understand just how much stress budgeting for a family Christmas can involve, and that’s why we encourage our account holders to get in touch as early as possible to enquire about our loans for Christmas.

We understand that people are often encouraged to budget for Christmas throughout the year, saving the money they need and carefully planning every detail of their seasonal spending. We also realise that real life often gets in the way of plans like these, making it impossible to arrive in December with the exact amount of money you’re going to need. Stagnant wages and rising prices make this kind of careful budgeting more difficult than ever, and that’s before even beginning to consider other big expenses such as furnishings, replacement appliances and car repairs.

Our loans for Christmas allow our account holders to borrow money in a manner which is affordable and transparent. That’s because we’re an ethical lender, providing our services on a not for profit basis. We’ve got no external shareholders to satisfy, and no chief executives on big bonuses, and that means that we can concentrate on offering loans for Christmas at the best possible rates of interest. Any money we do generate is recycled into the local community, meaning that our loans for Christmas help the place in which you live at the same time as helping you.

We’re not the only people offering credit of course, particularly at this time of year, but we like to think that we’re the best. When our account holders apply for loans for Christmas they deal with a human being, not a computer system. We’ll explain exactly how much we think you can afford to borrow, what your repayments will be, and how long they will take. Unlike many High Street lenders, we offer our highly competitive interest rates to every single one of our account holders, and the fact that we pay the money quickly into your account means that you’re free to seek out the best possible prices for whatever you need to buy.

If you want to treat your kids to the latest games console, for example, you might be tempted to purchase on a credit agreement from a shop or catalogue. Doing this will mean that, by the time you’ve finished making repayments, you’ll have paid much more than anyone else for the console in question. Take out one of our loans for Christmas, on the other hand, and you’ll be free to look for the best possible deal, taking advantage of the kind of seasonal offers which retailers provide for shoppers able to pay up front.

Whether it’s for gifts, Christmas food and drink or a few items of furniture you need in order to put some family members up, taking out one of our loans for Christmas will enable you to enjoy a stress free celebration certain that you can afford what you’re spending, and won’t be dealing with forbidding bills due for payment in January. Once you’ve applied we’ll give you an answer as quickly as possible, definitely within two days if you provide all the information required, and if you’re application is successful the money will be transferred into your account immediately.

Take Christmas easy with our Christmas Loans

September 25, 2017 4:02 pm Leave a Comment

It’s a cliché to say that it’s never too early to start thinking about Christmas, but it’s a cliché because it happens to contain a great deal of truth. The expense involved in Christmas, particularly if you have children to buy presents for, is something which the average person simply can’t handle on their normal income. That’s why the Northern Community Bank Christmas loans are such a lifeline to so many of our account holders.

We’re not the only people offering Christmas loans of course, but we offer them in an ethical manner and with the kind of terms and conditions which most other providers struggle to even get close to matching. It doesn’t matter whether you need to buy gifts, extra food and drink or put up friends and family for the Christmas period, a bit of extra cash is going to prove to be extremely welcome.

All too often, people approach Christmas with feelings of stress and dread, wondering just how they’re going to afford everything they’d like to be able to buy. The alternative of running up debts on credit cards or via the likes of doorstep loans and overdrafts can be equally stressful, leaving people wondering just how much they’re going to have to pay back and how long it’s going to take.

The Christmas loans available at Northern Community Bank are different for a variety of reasons. The first and most important of these is that we are a not for profit organisation. When we provide Christmas loans we do so to help our account holders and to put money back into the wider community, not to boost our share price or the profits enjoyed by the board of directors. All of this is reflected in the way in which we deal with our Christmas loans.

First and foremost, we’re up-front and honest. The interest rate we quote is guaranteed to be the interest rate you pay, and it’s calculated to keep the cost of loans as low as possible. We deal with our account holders on a one-to one basis, treating them like human beings, and we only ever lend amounts which we know they can afford to pay back at rates which won’t leave them struggling in the new year.

On top of this, our account holders carry on saving at the same time as they’re paying back their loans, meaning they are left with the basis to start planning for the next Christmas with confidence and a degree of certainty. If you apply for a Christmas loan we’ll explain exactly what information we need from you. Once you’ve provided it, we’ll make a decision as quickly as possible, often on the very same day and never more than two days later. If we decide to say yes then the money will be paid into your account via BACS on the very same day, leaving you free to get on with planning your perfect Christmas.

A Christmas loan from Northern Community Bank allows you the freedom to shop around and find the best deals for the items you need. Once the cash is in your account you can use it as you wish, safe in the knowledge that you can afford the repayments and that the interest rates have been kept as low as possible. To put it in simple terms – Christmas loans from Northern Community Bank are the gift that keeps on giving.

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Author Archives: 24pete

What’s Wrong With My Credit Score

If it feels like you keep getting turned down for credit, maybe it’s them not you?