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Christmas Loan

Christmas Loan 

The Christmas Loan offers you greater flexibility when it comes to spreading the cost of the festive period.

Features and benefits

Available all year round - are you one of those really organised people who have all their Christmas shopping done by October or do you start your shopping in the January Sales? Well if you do then you can organise your loan at any time now and grab all those bargains with confidence and spread the cost over the next 12 months. Job done!!

We've increased the value available - now you can borrow up to £1500; after all, these smart phones and tablets aren't cheap. For a quote give our Loans team a call on 0141 771 1314 Option 1.

Interest - A £1500 loan over 12 months at 12.7% is only £134 per month ! And you only pay a total of £98.78 in interest.....thats just 27pence a day ! Spreading the cost is spreading the burden.

Savings - Our Christmas Loan is in line with all our other loan products and any savings you have with the credit union are held in lieu of any outstanding debt you have with us. 

Our Savings Discount Scheme allows you to pledge your eligible savings against the loan of your choice & if your application is approved, you receive a discount on our standard rate laughing

Guaranteed Rate - Remember we don't quote Representative Rates which you may or may not get, all our standard rates are guaranteed. The rate you see is the rate you get... and you may even get a better rate with our savings discount scheme.

Life Cover - all our loans come with free life cover meaning should the worst happen your loved ones are not left with the financial burden of your Credit Union loan (Terms & Conditions Apply).

Cancellation rights

If you wish to cancel your loan application, just let us know you no longer wish to proceed and it will be removed.

However,if your loan has been approved and loan funds have been allocated to your loan account, the following conditions apply :

Loan applications not completed in person at our office can be cancelled in writing within 14 days of signing your loan agreement. Any funds paid to you must be returned within 30 days of cancellation.

Loans completed in person at our office cannot be cancelled under the Distance Marketing Directive. If you change your mind, you simply repay the full amount owing, including any interest due, as agreed.