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Black Friday and Cyber Monday Loans

your ultimate one-stop-shop for black friday and cyber monday loans in UK

A shopping retreat during the festive season.
Plunge into retail therapy with LoanTube.

LoanTube is a credit broker not a lender. You must be 18 or over and a UK resident.
LoanTube is a credit broker not a lender. You must be 18 or over and a UK resident.

Your loan requirements

Comparing won’t affect your credit score.

LoanTube is a credit broker not a lender. You must be 18 or over and a UK resident. Representative 79.5% APR

Loans up to £35,000

Borrow for 12-84 months

Loans for homeowners and tenants

Make the most of the biggest sales of the year

What is a Black Friday loan?

Black Friday and Cyber Monday loans are typically personal loans to help you take advantage of the super sales that happen every year during the holiday season. Whether you’re shopping presents for Thanksgiving, or Christmas, loans for Black Friday and Cyber Monday help you cover the festive expenses.

A personal loan for Black Friday and Cyber Monday shopping allows you to spread your expense into fixed, affordable monthly instalments. With LoanTube, you can borrow loans from £1,000 to £35,000 over 12-84 months, making repayments more flexible and convenient. Experience the best-in-class service with tailor-made loans from LoanTube.

Online Vs Offline shopping: What scores better?

The Black Friday and Cyber Monday phenomena take over the retail industry during the holiday season. But do these sensational sales really make for a better alternative for offline shopping? Find out here:


Online Shopping 

Offline Shopping 



A convenient and time-saving option.

You get to touch and feel a product physically.

You get to shop from the comfort of your home

Better chances of price negotiation.

Easier to compare a variety of prices.

In-store discounts can be more lucrative than their online counterparts. 

Some discounts are exclusively for online shoppers.

You won’t have to go through the hassle of ‘return or exchange.’ 

Tracking and return facilities for a smooth shopping experience. 




It’s not possible to negotiate prices online.

Offline shopping requires you to venture outdoors to shop. 

Lack of an interpersonal shopping experience.

Offline retail stores have limited options to choose from. 

Online shopping may pose a risk to your cyber security.

Offline stores may not have fruitful cashback offers. 

Delivery and shipping may not always be free.

Shopping at a physical store can be more time-consuming than scrolling through an online portal. 

Returning or exchanging a product can be cumbersome for many. 


Should I borrow loans for Black Friday and Cyber Monday?

The Black Friday and Cyber Monday sales offer some of the most rewarding deals of the year – especially if you’re looking to buy presents for Christmas and Thanksgiving. While you can always plan for such expenses, you may fall a little short of cash.

Since the sale season strikes only once every year, it’s natural for people to take advantage of the heavy discounts. If sale shopping has you feeling strapped for cash, a personal loan could make for a great financial aid to take some pressure off your shoulders.

Personal loans enable you to split the cost of your expense into affordable monthly instalments without the hassle of pledging collateral. With LoanTube, you can borrow loans from £1,000 to £35,000 over 12 – 84 months – compare loan offers with guaranteed APRs from FCA-authorized lenders at the tap of a button!

Another plus side of personal loans is that they’re disbursed directly into your bank account, allowing you to pay for your expenses upfront. The important thing to remember is to use credit responsibly. Missing your repayments or defaulting on your loan can have a lasting impact on your credit score, hampering your chances of securing credit in the future.

However fun sale shopping might be, it is crucial to keep your affordability in mind.

If you feel overburdened with debt, shopping at the expense of your financial health may not be worthwhile.

What to consider before opting Black Friday loan ?

Weigh the pros and cons before making a borrowing decision:


⦁ Liberty to choose desired repayment term.

⦁ Manageable loan instalments.

⦁ No collateral is required.

⦁ A lump-sum deposit makes it easier to pay upfront.

⦁ Quick processing and fast disbursal.


⦁ You acquire debt.

⦁ Defaults or missed payments could severely harm your credit score.

⦁ Lenders may levy additional charges on your loan – early repayment charge, arrangement fee, etc.

⦁ Low credit borrowers may not get offers with competitive interest rates.

⦁ If the loan term is too long, you may end up accruing interest for the longer term.

How much will a Black Friday loan cost?

The cost that you incur on a Black Friday loan will depend on the following:

Charges or fees: Additional charges may include – early repayment charges, arrangement fees, missed payment charges, etc.

Interest and APR: Your loan’s interest and APR (Annual Percentage Rate) differ. The APR is the overall cost, including all the additional charges associated with the loan. A loan with a lower interest can still have a higher APR. So, compare the interest rate and the APR before taking a call.

The term of your loan: Having a long-standing interest charge will cause your loan to cost you more over time.

Your credit history: Your credit score heavily influences the interest rate and terms you get on a loan offer. Having a stellar credit history will help you qualify for competitive proposals.

How to plan your sale shopping to prepare for Christmas?

Grabbing the best deals during the sales isn’t a cakewalk – it is always a good idea to strategise your sale shopping. Black Friday and Cyber Monday sales are the ultimate ways to save some money on your Christmas and Thanksgiving gifting budget.

Here are some tips to prepare yourself for the sales such that you reap the benefits during Christmas:

• Proceed with a plan – shopping lists, budgetary allocation, etc.

• Separate the essentials from the non-essential items.

• Check offers on the items you need.

• Research for the best online offers – gadgets, kitchenware, clothing, etc.

• Make your online store accounts and add the address in advance to avoid glitches while shopping.

• Keep an eye out on the social media accounts of your favourite brands.

• Steer explicit offbogus websites and avoid scams.

How much can I borrow for Black Friday and Cyber Monday?

Crunching numbers was never this easy – check your affordability at the click of a button. Secure your future by making an informed financial decision.

Calculate monthly payments

What is the purpose of your loan ?
How much do you wish to borrow?
What repayment term would you like to choose ?

Representative Example

Loan Amount


Loan Term

18 Months

Total repayment


Monthly repayment





59.97% p.a (fixed)

*The rate you get will depend on your individual, financial circumstances. Late repayment can cause you serious money problems. For more information, go to moneyhelper.org.uk.

Apply for a Holiday Loan for sale shopping


Tell us how much you need, for how long, and for what purpose.


We find you the loan offers you qualify for from multiple lenders.


Select the loan that best matches your circumstances, and Get Funded.

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When do the Black Friday and Cyber Monday sales start?

The Black Friday and Cyber Monday sales start a day after Thanksgiving. But, it is always better to begin your preparations a week or two in advance. You could start by creating a wish list, followed by a budget, and so on.

Should I borrow a personal loan or a payday loan for Black Friday?

Sale shopping can fetch you great discounts but can sometimes put a strain on your finances. Black Friday and Cyber Monday loans are typically personal loans that you can borrow to cover shopping expenses over the festive period. In contrast, payday loans are costly short-term loans that people borrow to stay afloat during an unforeseen emergency.


The interest rates and APRs of payday loans are excessively high. Due to the short repayment period of these loans, the final settlement is typically due within 30 to 45 days into the repayment cycle. A personal loan for Black Friday and Cyber Monday, on the other hand, will give you more control and flexibility since you can repay it in affordable instalments within 12 to 84 months.


LoanTube does not offer payday loans, nor do we indulge in financial malpractices. With us, you can explore personalised holiday loan offers from FCA-approved lenders at the tap of a button!

Is it wise to use BNPL for sale shopping?

BNPL or Buy Now Pay Later schemes have become an increasingly popular financing option. BNPL enables you to purchase an item upfront and pay for it either through a series of interest-free monthly instalments or defer the entire payment for a later date.


Suppose you have a pattern of impulse spending or believe in finding instant gratification through retail. In that case, you may feel inclined towards such options. However, BNPL comes with a set of risks – failing to repay the credit could severely harm your credit score. Plus, payment a deferral can encourage unhealthy spending habits, which may cause damage to your financial health in the long run.

Can I borrow Black Friday loans if I'm unemployed or on benefits?

When you’re unemployed or on benefits, proving your affordability to a lender can be a bit of a challenge. As a result, you may have a more challenging time obtaining a loan. Thus, you may apply for a personal loan for Black Friday and Cyber Monday if you’re unemployed or on benefits. Still, your affordability may affect your chances of acquiring the loan.

Does LoanTube charge any upfront fee?

You can borrow up to £35,000 over 12-84 months at a zero upfront fee – enjoy a seamless loan application experience with LoanTube.

What to check for in a loan for Black Friday and Cyber Monday?

If you plan to use a financial product for sale shopping, you must do thorough research first. Here’s what you should look for in a Black Friday and Cyber Monday loan, regardless of your financial circumstances:

• Reputation, credibility, and processing time of a lender
• Rate of interest on the loan (lower is better)
• Overhead expenses like arrangement fees, early repayment charges, missed payment fees, etc.
• Terms and conditions of repayment

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-Matt Thiele
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Very helpful customer service and follow up care. Quick and effecient and represent good legitimate companies. Would use them again.
-Elijah Kamara
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I am so pleased, within a few hours my loan was approved, and I received the loan in my account that great.
-Donovan Hay
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This website was very helpful and I really appreciate your time thanks for your support merry Christmas to you all.
-Laura Treimane-Freimane
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Very fast, very nice. Will make sure that you get money. Perfect thanks
-Maria Sousa
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Simple application online. Good value for money.
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Representative APR Example

The rate you are offered will depend on your individual circumstances.

Representative APR Example: On an assumed loan amount of £1,000 over 18 months. Rate of interest 59.97% per annum (fixed). Representative 79.5% APR. Total amount payable £1,554.10 of which £554.10 is interest. 17 equal monthly repayments of £86.09, and the final month’s payment of £90.57.

Some of the offered loans might be classed as High Cost Short Term Loans. APR rate starts from 18.22%. The maximum APR rate is 1721%, but you will get a personalised rate tailored to you. The minimum repayment term is 3 months, the maximum repayment term is 7 years. The minimum loan amount is £250 and the maximum loan amount is £35000.

Warning: Late repayment can cause you serious money problems. For more information, go to moneyhelper.org.uk

Credit subject to status & affordability assessment by Lenders.

LoanTube is a credit broker and not a lender.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on any debt secured against it.

Not all borrowers will qualify for a loan. The operator of this website does not engage in any direct consumer lending, we simply provide you a FREE loan brokering service. This means LoanTube does not charge customers a fee for using its introducer services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement with them following an introduction by LoanTube.

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