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Christmas Loans UK explained

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

Christmas loans are just short term loans 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 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.

Please see some alternatives below:

Shop around!

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 which are great for DIY inspiration like Pinterest.

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.


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 much more.

Xmas borrowing

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

We hope that you find these tips helpful, and if you are still considering a Xmas 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 an instant loan.

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