Christmas loans

We offer Christmas loans to our members during October, November and mid December. Our Christmas loans offer the below:

  • Quick and easy application process
  • Loan decisions are tailored to suit your individual needs and affordability
  • No hidden fees, charges or penalties for early repayment
  • Interest is calculated daily on the reducing balance of the loan
  • Loans can be paid conveniently via standing order from your bank or payroll deduction
  • We help you to grow your savings alongside your loan repayments
  • Loan decisions usually made within 48 hours (dependant on volume)
 
Loans up to £999

Borrow £250 - £999*
2.75% per month 38.5% APR

Representative example:
Borrow £500, 46 weekly payments of £12.12
Total repaid: £555.94

  • Must have income of more than £125 per week
  • Available to people with a limited credit history
  • Existing Castle & Crystal Christmas loans must be paid off in full
  • Can be repaid over a maximum of 12 months

Christmas loans are seperate and can not be added to existing loans.

Please quote Christmas as loan purpose when applying.



Loans £1,000 and above


Borrow £1,000 - £1,500*
1.24% per month 14.9% APR

Representative example:
Borrow £1,500, 11 monthly payments of £146.10
Final repayment: £146.03, total repaid: £1,
607.03

  • Must have income of more than £16,000 per annum
  • Available to people with a fair credit history (no more than 2 missed payments in the last 12 months
  • Existing Castle & Crystal Christmas loans must be paid off in full
  • Existing debts less than £10,000 (excluding rent/mortgage)
  • Can be repaid over a maximum of 12 months

Christmas loans are seperate and can not be added to existing loans. 

Please quote Christmas as loan purpose when applying. 

 


 *Important information

Loans are exclusive to our members and savings are encouraged. If you’re not already a member we’ll ask you to join first and deposit £4 to open your account.

Loans available to UK residents and over 18s only. Subject to status and meeting our lending criteria. All applications are also subject to our usual credit checks. We use the Equifax Credit Reference Agency to search your credit history.

Evidence of income/expenditure and debts are required to complete affordability assessment. We reserve the right to offer a different loan product/amount or to decline your application.

We cannot lend to you if you have an active or unsatisfied CCJ, IVA, DRO or Debt management plan or if you are an undischarged bankrupt.