With 75% of UK families turning to credit this Christmas, many people are looking for safer ways to borrow.

A Christmas loan from your credit union can help you spread the cost without the stress of high-cost lenders.

Need a Christmas Loan?

Choose a Christmas loan that works for you. With many families turning to credit this year, we’re here to help you spread the cost of Christmas safely.

New Member: Apply Now
Current Member: Apply Now

Financial
Wellbeing Hub

Discover free support to help you stay in control over the festive period. From budgeting guides to help with Christmas costs, our hub makes December calmer and January brighter.

Visit the Hub

Our Free Loan Calculator

See what your Christmas loan repayments could look like in seconds. Simple, quick and with no obligation. A helpful way to plan ahead and understand if a small Christmas loan could work for you.

Use Now

12 Days of
Christmas Support

Unwrap 12 tools and tips to help you budget, save and manage money. Whether you’re trying to borrow money for Christmas or avoid last-minute stress, you’ll find practical guidance here.

Step-By-Step Guide
Members Quotes
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“Excellent communication, low interest rates on loans and hassle free.”

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“Good loan system and very quick decisions. Excellent service. Thankyou.”

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"The lending process is straight forward and the online applications are very easy."

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"I think Penny Post is very good because I get loans with them and it helps me a lot."

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"Really useful when I’ve needed cash in an emergency"

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"They gave me a loan so I could take my son on a holiday of a life time"

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