Is it too early to be talking about money for Christmas? It’s never too early to be talking about money for Christmas. Even if you were out and about buying presents in May, there’s still plenty to plan for. Whether it’s Christmas parties, Christmas dinners, or finding that perfect Christmas outfit.
And for those naughty elves who’ll be leaving Christmas shopping until the last minute, keeping your finances in check can stop you from having a snowman-in-the-sun type meltdown. While the festive period is all about magic and memories, money is an inevitable part of it.
Whether you’re wanting to spoil your loved ones, treat yourself to a little something, or have a winter getaway. Let us take the financial stress out of the season, so you can focus on what really matters – eating as much chocolate as possible.
5 reasons why Northern Community Bank’s Family Loan is the perfect stocking filler
- No credit checks. Available to anyone in receipt of child benefits, our £500 Family Loan requires nothing more than a straightforward affordability check. The scheme allows you to use part of your child benefit to make the loan repayments. There’s no early payment fees to worry about, so you can pay your loan off as soon as you want.
- Fair interest rates. We pride ourselves on offering fair and affordable interest rates, especially when compared to unscrupulous payday lenders, whose sky-high rates go against everything Christmas stands for. Our goal is to support you, not exploit you, which is why our rates are designed to be manageable and transparent, with no nasty surprises.
- Save as you borrow. Anyone who borrows from Northern Community Bank is expected to save into a savings account as they make loan repayments. These savings build up and act as a guarantee, while also providing you with a nice lump sum to do with whatever you wish once your final repayment is made. If you want to make sure you’re prepared better than ever for next year’s festivities, why not join our Christmas Club?. Deposits for this are made throughout the year, with withdrawals only possible during November and December. Unlike other Christmas savings schemes, there are no restrictions on where to shop, so you can spend your money wherever you wish
- Quick decisions. We may not be able to help you if you decide on Christmas Eve morning you need a loan to do some Christmas shopping. Although we can help you get your finances wrapped up a few days before. Our loan decisions are usually made within 48 working hours. And if successful, payments can be made the same day by BACS.
- A lender you can trust. For four decades, Northern Community Bank has been helping families navigate the pressures of Christmas. It’s a wonderful time of year, and nothing makes us happier than seeing our account holders enjoy the festive season. There’s no New Year blues with a Northern Community Bank loan either. All our loans are based on your affordability, ensuring repayments are manageable and tailored to your circumstances.
No need to visit the Northern Community Bank grotto
You’re more than welcome to drop into one of our branches. We’re always happy to help, and we’ll do everything we can to make sure you have money for Christmas. The entire process can also be done online through our Online Accounts Area or via the secure Northern Community Bank mobile app, making it easier than ever to get the support you need.
