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 come to us to ask 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.
