Loans
Christmas Saver Loan £300 to £1200
A loan based on your affordability to spread the cost of Christmas and start saving for next year.
Spread the cost of Christmas
You can apply to borrow the amount you need over a period that suits you and repay weekly, fortnightly, 4 weekly or monthly, whichever suits you best. You can arrange your loan and hold the money in a secure savings account until you find your Christmas bargains. For your peace of mind we will also make sure your loan is affordable.
You also have peace of mind that our loans and savings have been awarded the FairLife mark recognising that we trade fairly and price honestly. To find out more click here.
Loan Details
- Borrow what you need (subject to status)
- 42.6% APR
- Weekly, fortnightly, 4 weekly or monthly repayments
- Loan period 3-12 months (other loans available up to 48 months)
- No hidden charges, arrangement fees or early repayment penalties
- FREE loan protection insurance (conditions may apply)
- Top up loans after 3 months
- Quick decision available
How much can I borrow?
We offer a choice of fair and affordable loans. Use the Loan Calculator to show how much you could borrow and how much you would pay back.
Loan Calculator
How much would you like to borrow?
And for how long?
Apply for a Loan
*Representative example. The figures given above are for illustrative purposes only and may not be the APR you receive. The actual interest rates and repayment amounts may vary subject to loan amount and status.
Ready to apply for a loan?
Just Credit Union is a responsible lender who will only lend you what you can afford to repay so all our loans are subject to status and based on an applicant’s ability to afford the repayments.
Complete the online application form or alternatively download, complete and return a printed copy of the application form to our office. Provide your address details for the last 3 years, employment information and details of your income and outgoings. To apply for a loan you will need to be aged 18-65, be eligible to join Just Credit Union if you are not already a member, and have a minimum income of £125 per week. Terms and conditions apply.
Why choose Just Credit Union?
Just Credit Union is a not-for-profit savings and loans cooperative owned by its members and managed for their mutual benefit. We provide a safe home for savings with access to affordable low cost loans. Membership is open to anyone who lives or works in Shropshire, Telford & Wrekin, Herefordshire, Stafford, South Staffordshire, Wyre Forest, Newcastle Under Lyme, Malvern Hills, Worcester, or Stoke-on-Trent.
We are authorised by the Prudential Regulation Authority and part of the Financial Services Compensation Scheme (FCSC).
Join today!
Saving and borrowing from your local credit union is a great way to support your community. Get access to safe, friendly and ethical financial services.
Become A Member
Get in touch with your local credit union today. Call us on 01743 252 325, email info@justcreditunion.org or join our mailing list.
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