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Christmas Loans

your ultimate one-stop-shop for christmas loans in UK

Make it the most joyous time of the year.
Gear up for Christmas 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

Indulge in the festive spirit with Christmas loans

What are Christmas loans?

Christmas loans are essentially personal loans to help with Christmas or to cater to your holiday-specific needs. You can use a Christmas loan to cover the expenses that arise during the festive season – pay for assorted festivities with friends and family, purchase gifts or plan a holiday to see your loves ones.

LoanTube enables you to compare Christmas loans online from verified lenders, at the tap of a button. Borrow from £1,000 to £35,000 over 12-84 months, and choose a convenient repayment cycle with affordable instalments. Make your Christmas merrier with tailor-made Christmas loans from LoanTube.

How do Christmas loans work?

When you apply for a Christmas loan online through LoanTube, we will process your application with our panel of FCA-approved lenders without hurting your credit score. However, you will have to undergo a credit check eventually to sanction your loan. After your loan gets approved, the lender will transfer the loan amount directly into your bank account.

You can use the funds at your convenience, albeit responsibly. It is vital to abide by your repayment cycle and stay on top of your payments at all times. If you miss repayments, your credit score will have to bear the brunt. Plus, a default could result in a County Court Judgment (CCJ) against you. So, it is always a good idea to keep up with your repayments.

How much will a Christmas loan cost?

In general, 4 major factors will affect the cost of a personal loan for Christmas:

Charges or fees: Any additional fees or expenses related to the loan, including early repayment charges, arrangement fees, etc.

Interest and APR: The APR reflects all of the fees or charges associated with your loan. It is best to check the APR of a low-interest loan to make an informed decision.

The term of your loan: Paying your loan over a more extended period will cost you more due to a long-standing interest.

Your credit history: Your loan’s terms and interest rate are determined by your credit history. You will receive a better interest rate if you have a good credit score.

What to consider before you apply for a Christmas loan?

You must assess the pros and cons of a Christmas loan before borrowing one to make an informed decision:


⦁ Affordable monthly repayments.

⦁ No collateral is required.

⦁ Fast processing and disbursal.

⦁ Direct deposit helps you pay upfront.


⦁ You sign up for a debt obligation.

⦁ Missing payments can damage your credit score.

⦁ There may be early settlement charges on your loan.

⦁ Interest rates for low-credit borrowers can be high.

When is it a good idea to borrow personal loans for Christmas?

Generally, it is always good to stay prepared for emergencies with a savings pot. However, a Christmas loan can help take the pressure off your shoulders if you encounter an unexpected cash crunch during the festive season.

While a Christmas loan may be a quick and convenient way to borrow money during urgencies, it may turn out to be an expensive option for those struggling with low credit. You may not be able to bag the best deal on the table with a low credit score – the lower your credit score, the higher the lender’s risk proposition, and the higher the interest rate.

Thus, it is essential to spend responsibly during the festive season. If you feel overwhelmed with the costs and positive obligations, it would be best to tone down the formalities and stick to a low-budget Christmas to lighten your financial burden.

How much can I borrow for with Christmas loan?

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 to make Christmas extra special


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.

Why choose LoanTube?

You can’t put a price on happiness, but it doesn’t have to burn a hole in your pocket.

We've partnered with the best in the business

Offers from highly reputed FCA – certified lenders to help with your financial needs
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Is a Christmas loan the same as a payday loan?

Christmas loans are personal loans that you can borrow to deal with Christmas expenses, such as gifts, decorations, renovation, parties, etc. On the other hand, payday loans are high-cost short-term loans that help you stay afloat during an unprecedented cash crunch.


Payday loans come at excessively high-interest rates and APRs. Plus, since these are short-term loans, you are usually required to repay the loan within 30-45 days. Conversely, personal loans such as Christmas loans give you more breathing space in your repayment period since you can repay the loan within 12-84 months through affordable instalments.

LoanTube does not indulge in the practice of payday loans. Our FCA-approved lenders offer personal loans tailored to your needs and circumstances.

How to celebrate a financially responsible Christmas?

• Assess what you can afford: Don’t let the Christmas exuberance drift you towards overspending. Set a budget that is affordable for you to follow.


• Enlist your priorities: Use your money to cover the essential costs first – it could be a boiler replacement or a new appliance for your kitchen.


• Rise above peer pressure: Each of us has different means of living. So, don’t be hard on yourself by comparing your affordability with others – a heartfelt gift made with love shines brighter than store-bought luxuries!


• Set good examples for your children: Children pick up on the habits of their parents. So, if you wish to perpetuate the importance of financial health and stability in your children, you must lead by example.

Is it a good idea to borrow personal loans for Christmas?

Personal loans enable you to spread the cost of your Christmas expense so that you can manage repayments more conveniently. A loan amount ranging between £1,000 and £35,000 is enough to help you cover the festive cost.


When you consider alternatives such as homeowner loans or credit cards, a personal loan for Christmas will stand out as an option. Homeowner loans pose a risk of foreclosure to your property over a default. At the same time, credit cards have sky-rocketing APRs after the end of the promotional period.


So, as long as you apply with a strong credit history and manage to repay your loan in full and on time, a personal loan can be a great financial aid for Christmas.

Can I get a Christmas loan against my tax refund?

Suppose you’re a tax-paying citizen in need of some financial aid. In that case, you may be able to apply for a tax return advance to alleviate your financial stress. Both personal and business purposes can use a tax return advance.


It is best to consult with a tax professional to get a clear idea about how these loans work. Depending on the taxes you have paid, the professional will determine whether an advance is advisable for you to pursue or not.

How can I cut down on my Christmas expense?

Bring together your family and friends and follow these tips to cut down on Christmas costs:


• Set a spending limit on gifts for everyone


• Use old gift cards or store cards for extra discounts


• Start the potluck trend this Christmas


• Charity stores are hidden gems; pay them a visit


• Shop in advance to grab cash backs and discounts


• Try DIY – decorations, gifts, wrappers, etc.

Valued Customers With Valuable Feedback

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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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