Christmas Loans

If you could do with an extra Christmas cash boost, your Credit Union is here to help with a low-cost loan.

Every year, hundreds of our members take out Christmas loans with us to ease the festive financial pressure.

With an affordable loan from the Credit Union, you can spread the cost and repay in instalments over the next 12 months, helping you to relax and enjoy a Christmas to remember.

So whether it’s a just little extra to help out with the Christmas present shopping, or perhaps something bigger you have in mind, with loans available from just £50 up to £2,000, we can help with all your festive needs.

Already a member? Apply for a loan now

New member? Find out how to join & borrow

How it works
• In addition to loan repayments, all members must save a minimum of £10/month, which is taken directly from payroll or by direct debit.
• This means you build up savings even when you’re repaying a loan, and savings quickly mount up.
• Because we’re a co-op and don’t have outside shareholders to satisfy, we’re able to pass on affordable loan rates to our members.
• You can take a look at example loan rates on our loans calculator
• All membership and loan applications are subject to approval

The Co-op Credit Union uses an online service, which meets the requirements of anti-money laundering legislation, allowing us to verify the identity of new members. If you would rather not be checked electronically you can still send documentation. Please ask for details. If we cannot find out enough information about you, we reserve the right to ask for documentation.