The Christmas loan with a conscience

Focus on creating happy memories with your loved ones this Christmas and we'll handle the rest!

These experiences do not need to cost a fortune or get you into unmanageable debt, so only borrow as much as you need.



  • Continue to make regular savings as you borrow
  • No set up fees
  • No admin charges (excluding top-ups to some existing loans)
  • No early repayment penalties
  • New members can apply as soon as they join
  • Borrow from £250
  • Competitive interest rates 
  • Free loan protection insurance*
  • Fixed payments
  • Flexible loan repayments up to 5 years
  • No cut-off date - taking some of the pressure off you


*In the event of your death, your loan will be paid off in full (terms and conditions apply).


Illustrative Example

Last year, the average UK family budgeted £350 for their Christmas food, presents, or decorations. Yet nearly two-thirds of us spent up to £250 over our festive budget (Money Advice Service, 2021).

Borrow £600 at 19.6% APR with monthly repayments of £55.01.

Christmas loan amount £600
Repayment period 12 months
Monthly repayments £55.01
% APR 19.6%


Loan assessment 

The rate, the repayment, and the amount of interest charged will be confirmed in your loan agreement.

The rate offered will depend on our assessment of a number of factors including:

  • loan amount
  • your personal circumstances
  • your credit history


Use our loan calculator below for an overview of your potential loan, including interest rates and repayment options. 


Already a member?


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Loan Calculator

We have a loan to suit all your needs

  • or
  • £2500.00
    at 8.90% APR
  • £78.94
    per month
  • 36
    over 3 years
  • £2841.91
  • £341.91

This summary is for illustrative purposes only, so as to give you, the borrower, an overview of the potential cost of borrowing.  Capital Credit Union cannot be held responsible for any errors or omissions. Please note your final payment may be at a reduced amount.