Christmas Loans

Hurry up! Not many days are left. The most celebrated day of the year is marching closer and you haven’t started any preparation now. Surely, fund deficiency is not the reason, oh no it is? Don’t worry, we are here to fund your aspirations.

Representative Example: If you borrow £3,000 for 6 months term you will repay £551.65 per month.

Amount : £3,000 for 6 months Monthly Repayement Amount -: £551.65 Interest Rate P.A : 34.6% (fixed)
Total Interest Repayable : £309.92 Total Amount Repayable : £3309.92 Representative APR : 34.6%

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

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Whatever the reason you feel Christmas is expensive - presents, parties and decoration – you can take out Christmas loans. Goesayloans will help you get money at competitive APRs and does not impose any restriction on the use of funds. You are eligible to apply for these loans as long as you have a full-time job. Borrowers with part-time jobs or freelancing are also welcome.

Christmas is the moment of sharing happiness, making new friends, forgiving beloved ones and rekindling the spirit. From adorning the house to lighting candles in the church, every part of the celebration brings smile to your lips. It feels sad when the beam begins to fade away due to lack of funds. Do not let anything stop you enjoying this Christmas, neither financial worries.

The minimum limit of our Christmas loan is £1,000 that can go up to £5,000 depending on:

  • Your income sources
  • Credit needs
  • Repayment capacity

We suggest you that you should not borrow money more than your affordability.


Applying for a Christmas loan is not difficult at all. You can get money the same day you put in the application form. It takes two minutes to fill out the form. We take a few minutes to review your application.

Once the initial-stage approval is done, you will have to provide income statement and then the money will be transferred directly to your account within 15 minutes.

What is the best time to apply for these loans?

People generally think that the best time to apply for these loans is just a few days before the festival begins.

  • What if you are planning to renovate your home?
  • What if you need to book a hall for your Christmas party?

Since it depends on your plans and purposes, there is no particularly the best time to take out such funding source. Our loans are available for 365 days.



An impaired credit standing often prevents you from borrowing money. Though direct lenders in the UK approve as many bad credit applications as possible, there is no guarantee that you will not face rejection. They are likely to turn you down if they doubt that you do not have the repayment capacity or you are borrowing more than your affordability.

If you are applying for Christmas loans with bad credit rating, then here are few recommendations to follow:

  • Interest rates will be a bit higher as compared to those who have a good credit score, but we keep it at acceptable level that fit to your situation.
  • High interest payment can take a large chunk out of your pocket. Therefore, make sure that you do not get strapped for money after celebration. We provide bad credit Christmas loans at the competitive interest rates.
  • We do not lend you more than your affordability. If we suspect that you are borrowing more than your repayment potential, we will lend you less than what you mentioned in your application.


It is sad if you have lost your job before Christmas. Nobody enjoys the festival when a cloud of despair hovers over the head, but you do not need to be dejected.

Direct lenders like us offer Christmas loans to the unemployed people too. To avail the loan,

  • You need to show your repayment capacity
  • You can use unemployment benefits
  • You can convince the lender with side gigs as your income source to borrow money.

You will get money on basis of your income. And, here are the steps to apply:

  • You will fill out the application form online.
  • After approval, one of our representatives will schedule a face-to-face meeting with you to look over your income sources.
  • If everything goes fine, you will get money on the spot.

People, who are unemployed and living on benefits, do not need to have the bank account. You don’t have to worry about the repayments too as our representative will do the favour by collecting funds at your doorstep.


Many other direct lenders provide Christmas loans like us, but we focus on putting a smile on your face. Here is how we are different from other direct lenders.

Goesayloans Other Lenders
Loan amount The borrowing limit falls between £1,000 and £5,000. Other lenders do not lend more than £2,000.
Processing fees We do not charge upfront or processing fees. The others may charge hidden fees.
Credit check We run a soft credit check that does not pull your credit score. Other lenders make hard inquiries that damage your credit rating.
Borrowers Anyone can apply for the loan including students, the unemployed and the disabled. The others provide these loans to people with full-time job.

If you have some plans for this Christmas and do not have enough funds, do not over think. Just apply for the loan today and get funding on easy repayments to follow New Year.


Christmas loan is of short tenure and by doing a few formalities you can get the funds easily. Online lending makes things easier.

Here are the 3 requirements to qualify for the loan.

  • 1. A good current income status as well as the income-outgoing ratio of 60:40.
  • 2. Good credit score status. In case of poor rating, bad payment history should not be consistent.
  • 3. Latest statement of the bank account you are using currently.

If you perform perfect on the above three aspects you can get a Christmas loan without any stress and hassle.

0-560 comes under very poor credit situation and the online lending market has not an abundance of loan offers to serve. Only a few loan companies provide funds to the worst credit scorers.

Goesayloans offers Christmas loan despite very poor score but you need following situations for that.

  • Repayment capacity should be strong enough to afford the loan.
  • You can back your application with a guarantor as it improves your chances of approval.

The interest rates on loans are usually high but with the help of customisation, the loan obligation becomes manageable.