Spread the cost of Christmas
With our ethical and affordable Christmas Loan, you can spread the cost of this year, and save for 2024 all from the same payment. We take into account a range of employment situations, incomes and credit histories. All loans are subject to a manual decision process, affordability and a credit check.
You can apply for our Christmas Loan the same day as you join our Credit Union. If you are looking for a loan to help spread the cost of Christmas, and live in North or Central Essex, Norfolk, Suffolk or Cambridgeshire, you can apply now. Please see the full list of all the Essex Post Codes we cover.
You do not need online access to apply for a loan, but you do need to be a member of Eastern Savings and Loans Credit Union.
* Representative example.
Borrowing £00.00 over Months will cost £00.00/month. Total amount repayable is £00.00 which includes interest at 42.6% APR.
The figures given above are for illustrative purposes only and may not be the APR you receive. The actual interest rates and repayment amounts may vary subject to loan amount and status.
How to apply for a Christmas Loan
Join our Credit Union using the link above. Once you have completed a membership application, you can apply for a Christmas Loan.
We may ask you to give us read-only access to your bank statements through our trusted partner Consents.Online, this allows our loan officer to see the past ninety days of your bank statement over a secure connection. Alternatively, you can provide printouts of your bank statements, but this will take a few days longer to process while we wait to receive these.
If approved, we will send you a digital loan agreement to sign, with instructions on how to set up repayments to your Credit Union account.
Your first repayment will stay in your Credit Union account available for you to withdraw. Your Christmas Loan will be transferred to your bank account the same working day we receive both the signed agreement and confirmation of repayments. After we take your loan repayment you can save for 2024 with our Christmas savings account.
Our other Loan products
Find the right loan for your needs
Child Benefit Savings and Loan Plan
We take into account a range of employment situations, incomes and credit histories.
White Goods Loan
We work with you to set up repayments you can afford at a frequency that suits you.
Christmas Savings Account
Save regularly or as and when you can. You can sign up online.