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Christmas Loans

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Warning: Late repayment can cause you serious money problems. For more information, go to MONEYHELPER.ORG.UK
Credit subject to status & affordability assessment by Lenders.
Oyster Loan is a credit broker and not a lender

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on any debt secured against it.

Representative APR example

The rate you are offered will depend on your individual circumstances.

All loans are subject to status. The interest rate offered will vary depending on our assessment of your financial circumstances and your chosen loan amount.

Representative APR Example: On an assumed loan amount of £1,000 over 18 months. Rate of interest 59.97% per annum (fixed). Representative 79.5% APR. Total amount payable £1,554.10 of which £554.10 is interest. 17 equal monthly repayments of £86.09, and the final month’s payment of £90.57.

What is a Christmas Loan?

This is a personal loan that is often taken out to fund the season of celebrations – Christmas. Being an unsecured form of a loan, it doesn’t require a borrower to provide an asset or any other item of value as collateral. It doesn’t even involve a guarantor in the whole process of availing a loan.

Most of us fail to save for Christmas every year. And to get you through this festive period, a personal loan for Christmas in the UK may prove to be of great help. A borrower may spread the cost of the expenses over a period as this credit product allows the borrower to choose the repayment tenure – which may last up to a year.

Loans for Christmas in the United Kingdom

We, at Oyster Loan, understand that a bad credit score may be a result of an individual’s personal circumstances. Nobody likes to have stains on their credit reports. Our trusted panel of lenders who are licensed by the financial regulator of the UK, the Financial Conduct Authority (FCA) offers Christmas loans even to people with not so good credit score.

Please note that the lenders conduct a soft credit check to evaluate your loan eligibility to make their decision. The amount you receive in your bank account by the lender, if the loan is approved – you may use the money for any purpose. You may spend that money on buying Christmas presents, the decorations, for your parties or to fix your boiler or to upgrade the comforts of your home. There is no restriction on the usage of this kind of credit products.

No Guarantor Christmas Loans Available Online on Oyster Loan

When people think of availing a personal loan for Christmas, they often tend to seek for a guarantor who will vouch for them. However, Oyster Loan deals with lenders who offer loans for Christmas without a guarantor. That means you do not need to find a co-signor to avail a personal loan with us. Make the day remarkable and create timeless memories with your friends and family by hosting the dinner party or surprising them with presents and gifts. The choice is yours!

Advantages of Online Christmas Loans

Christmas is expensive if you consider all the associated expenses that one has to take care of during the festive season. The expenses make it a stressful Christmas taking away our chance to earn a good time with our loved ones. But if funds are holding you back, these handy loans are a resolute solution for your financial troubles. We’ve listed down a few advantages of this loan that you should keep in account while borrowing money to benefit yourself:

  • Flexible The loans are quite flexible in terms of repayment. A borrower may spread the entire cost over a period of 1 year. This allows the borrower to plan and manage the repayment in monthly instalments efficiently.
  • Easy The process involved in availing a short-term loan is comparatively easier. An applicant does not have to face many hassles. One easy and simple application form needs to be filled by the potential borrower and submit it online.
  • Minimal Documentation Availing a Christmas Loan doesn’t require much paperwork or standing in queues. You may submit all the documents that are needed by the lender online to facilitate the process.
  • Instant - Same day Christmas Loans The decision of the lender doesn’t take much time. It is displayed on the screen after a borrower submits the form and the lenders perform the verification.
  • No Upfront Fees Oyster Loan doesn’t charge any upfront fees. Hence, if you are thinking of applying for a loan with us, you do not have to pay any upfront fees or hidden fees.

How to Apply for a Christmas Loan Online at Oyster Loan?

Easy. Simple. Fast. That is how you apply for an Online Loan for christmas with Oyster Loan. With a quick and easy application that only takes 3 minutes to be filled, the cash could be in your account within minutes, if approved.

  1. Apply Online Complete the online application form with details such as loan amount, repayment tenure, your purpose, name, email address, contact number, date of birth, current residential address, nationality, pay frequency, net monthly income, bank account details, etc.,
  2. Decision Once you submit the form online, the lenders will run checks to verify the information provided in the form. Make sure all the information that you’ve provided are correct. The decision will be displayed on the screen within minutes.
  3. Get Cash If the lender approves your loan application, the money will be disbursed by the lender within minutes to your bank account.

The process of loan application is the same for people borrowing Christmas Loans with Poor Credit.

Make Merry During the Festive Season– With Oyster Loan

Oyster Loan is an FCA licensed credit broker and hence, deals only with FCA registered lenders across the major cities of the UK. We believe that Christmas is fun and everyone should have the time of their life. Lack of funds may often create financial chaos, however, with a short-term loan, and a completely devised and planned repayment strategy, your Christmas is sorted.

Put that turkey in the oven and get ready with your camera to capture all the good moments. All you have to take care of is the repayments. If you fail to make the repayments, your credit score may be severely damaged and you may face troubles while borrowing money in the future. Your credit score is considered as one of the major aspects of your financial life.

We promote responsible borrowing and lending and thus we request you to borrow responsibly, spend wisely, and repay timely!


WARNING: Late repayment can cause you serious money problems. For more information, go to MONEYHELPER.ORG.UK.

Credit subject to status & affordability assessment by Lenders.

Oyster Loans is a credit broker and not a lender.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on any debt secured against it.

Not all borrowers will qualify for a loan. The operator of this website does not engage in any direct consumer lending, we simply provide you a FREE loan brokering service. This means we don’t charge customers a fee for using our introducer services, but we receive a commission from lenders or other brokers if a customer enters into a consumer credit agreement with them following an introduction by us.

photo of Oyster Loan Oyster Loan
Oyster Loan
71-75 Shelton Street
Covent Garden, WC2H 9JQ United Kingdom £100-£35000
+44 203 633 1699
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