Christmas Loans

Here at Moneywise, we want to give people a fair and affordable alternative to high-interest lenders – especially over the festive period.

Christmas is an expensive time of the year. As well as presents and Christmas food, energy costs will likely increase due to cold weather and family visits.

All of this can add up quickly, but if you’re worried and in need a short-term loan to cover the cost of Christmas, we can help you. That’s the Moneywise way.

By choosing a loan from a reputable credit union like Moneywise, you can spread the cost of Christmas and make the holidays less burdensome while spreading some festive cheer with your loved ones.

To apply for a Christmas Loan, you must:

  • Be aged over 18
  • Agree to Moneywise Credit Union rules

New members please apply here for your Christmas Loan.

Existing members please apply here for your Christmas Loan.


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Membership is open to all who live and work in the Tyne and Wear, County Durham, Teesside or Northumberland region.

Joining Moneywise is free, subject to a £1 annual membership fee,  all we ask is that you save regularly to support our funds for lending. We only lend to members so you can be confident your savings are being used to support like-minded individuals.

South Tees Community Bank

South Tees Community Bank and Moneywise Credit Union Ltd merged into one business in December 2017. Moneywise is the regulated name and South Tees Community Bank is a trading name of the merged organisation.

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