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Christmas Loans UK

There isn’t such thing as Christmas Loans, so, If you are searching for a “Christmas Loan” to try and tide you over for a few extra presents this year; read on!

Christmas loans are just quick loans UK around the Christmas period.

This page will give you a few alternatives to Christmas Loans and some options if you need extra cash around the Christmas period.


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Christmas Loans Explained!

We strongly recommend you do not take out short-term loans at Christmas.


Loans similar Quickquid should only be taken out for necessities, and unfortunately buying presents should not be a reason for taking out a loan this Christmas. Instead, we’ve created some ideas for you to consider to try and reduce the costs and the need for taking out finance.

If you have bad credit and are searching for Christmas Loans, even more so you should read our alternatives to Christmas Loans below as taking a loan out at Christmas with bad credit can lead to more financial difficulty.

Alternatives to Christmas Loans UK

Please see some alternatives to Christmas loans below:

Shop around instead of getting a Xmas loan.

Lots of shops do 3 for 2 offers which is a great way of getting more for your money on gifts, with some high street shops even doing 3 for 2 gifts for under £10. What a great way to fill up a stocking!

Be sure to collect points on a points card wherever possible as these soon add up and can also be used to purchase more gifts – or even buy a treat for yourself!

Points can also be collected over a year or longer, which can then help next Christmas contribute towards the cost of buying for those loved ones.


Some presents can be made yourself, such as creating your own hamper baskets filled with lots of festive goodies like Christmas pudding, chocolates, and biscuits – be sure to check your local pound shop for some bargains! There are also some websites that are great for DIY inspiration like Pinterest.

Sometimes the most thoughtful gifts are the ones made with love and no bough with a Christmas loan.

Recycle unwanted gifts!

That unwanted woolly jumper or unused bath set from last Christmas can all be recycled next Christmas as new gifts – just remember not to recycle it back to the person who originally bought you the gift. Some people might be against this idea, however, we think it is better than taking out a Christmas loan.


Vouchers are becoming ever more popular, why? Because you can catch some really good bargains easily online or even by downloading an app on your phone, such as Groupon. Vouchers can offer up to 70% off branded clothes, household items, holidays, fun family activities, and much more.

With a number of discount websites around, be sure to shop around on Groupon and other discount sites and pick up a great bargain.

Black Friday

Black Friday is getting bigger and bigger each year. Personally, this is one of our favourite days to get all your shopping done in one day and save yourself a fortune at the same time.

Amazon’s Black Friday deals start early in November and you can save hundreds of pounds. Sign up for newsletters and be sure to check your spam box to make sure you don’t miss any discounts that could save you money.

Get all your shopping done early then enjoy December knowing you have all your presents sorted.

3 Budgeting Tips to help you save for Christmas instead of getting Xmas loans

1. Start a Dedicated Christmas Savings Account: Open a specific savings account for your Christmas fund early in the year. By setting aside a small amount each month, you can accumulate a substantial sum by the time December arrives. This approach helps you avoid the need for last-minute loans or credit card debt. Utilise standing orders or direct debits to automatically transfer a portion of your income into this account, making saving effortless. Remember, even modest contributions can add up over time, easing the financial pressure during the festive season.

2. Utilise Budgeting Apps and Tools: Leverage the power of technology by using budgeting apps specifically designed for UK users. These tools can help you track your spending, set saving goals, and provide insights into your financial habits. By having a clear overview of your income and expenses, you can identify areas where you can cut back and allocate more funds towards your Christmas budget. This proactive financial planning reduces the temptation to rely on emergency funds or quick loans, ensuring a more financially secure holiday season.

3. Embrace the ‘Secret Santa’ Approach for Gift Exchanges: If you have a large family or a wide circle of friends, consider organising a ‘Secret Santa’ gift exchange. This method not only adds an element of surprise and fun to gift-giving but also significantly reduces the number of presents you need to purchase. Set a reasonable budget for each gift to ensure affordability for all participants. This approach not only fosters a sense of community but also helps everyone involved save money, reducing the reliance on credit or personal loans for Christmas expenses.

Incorporating these tips into your Christmas planning can lead to substantial savings, helping you enjoy the festive season without the stress of financial strain or the need for last-minute borrowing.

Loans for Christmas

If you do need to borrow this Christmas and are searching loans for Christmas, have you also considered a 0% purchase card, this could also help you spread those costs without costing you a penny if repaid back before the 0% interest ends.

Christmas Loans for bad credit & benefits

We hope that you find these tips helpful, and if you are still considering a Christmas loan for bad credit please look at the above options, and hopefully, you can find a solution to fund Christmas this year instead of taking out a Christmas loan for bad credit.

If you are looking for Christmas loans for the unemployed or on benefits, we strongly recommend you speak to a debt charity to see what your best options are. Taking a loan for Christmas could lead you to more financial difficulty. On benefits need a loan today direct lender is another term people often search and our same day loans page might have some information for you on that topic.

Here are some FAQs regarding Christmas Loans UK

1. Can I borrow money for Christmas?

Yes, it is possible to borrow money for Christmas expenses. However, it’s important to consider whether taking out a loan is the best option for your financial situation. Loans should ideally be used for necessities, and it’s crucial to ensure you can comfortably meet the repayment terms to avoid financial strain. Before deciding to borrow, explore other options like saving in advance, budgeting, or cutting back on non-essential spending.

2. Can you get a Christmas loan on Universal Credit?

If you are receiving Universal Credit, you may still be eligible for a loan, but it’s important to approach this cautiously. We do work with some lenders who do accept customers who are on universal credit, but there are also other factors involved.

3. How to get credit for Christmas?

To get credit for Christmas, you can apply for a personal loan or short term loan with My Quick Loan. Or other options are a credit card, or an overdraft, depending on your needs and creditworthiness. It’s important to shop around and compare different credit options to find the most suitable and affordable one. Check the interest rates, fees, and repayment terms. Ensure that your credit score is in good standing, as this will affect your ability to get credit and the terms you are offered. Remember, borrowing should be a carefully considered decision, especially for non-essential spending like Christmas expenses.

4. Where can I get a Christmas loan with bad credit?

As we covered above, we can help with loans at Christmas for bad credit as we work with a large panel of lenders who specialise in bad credit loans. Please note, rates may be higher and we recommend finding and alternative first.

5. I want to a loan from My Quick Loan for Christmas

If you have read this page and still want to apply for a payday loan. My Quick Loan offers quick loans from £100 to £5,000. These loans can be taken out over 3-36 months period and are paid out the same day. You must be 18 to apply, living in the UK and have a UK bank account with valid phone number and email address. Again, we recommend you find alternatives first.

If you would like to add any helpful tips to save money at Christmas, instead of getting a Christmas Loan, please get in touch and we’ll update our Christmas loan explained page.

Warning: Late repayment of payday loans can cause you serious money problems. For help, go to