christmas loans

fulltime

Hi im new to the forum, was just wondering if anyone knows of any reputable places to get a loan for to pay for christmas expenses. Christmas loans In principle they sound like quite a decent deal.... obviously its advisable not to borrow in the first place but i do need a bit of spare cash this christmas.

I just dont want to go jumping in to one or signing up for something thats dodgy... any help and advice would be much appreciated!

Thankyou

Esoog

Don't do it would be my advice, probably not very helpful but its only one day in reality.

Apples2

fulltime wrote: »

Hi im new to the forum, was just wondering if anyone knows of any reputable places to get a loan for to pay for christmas expenses.

You've had over 11 Months to save up for Christmas you numpty. If you failed at saving, you have no chance of repaying.

Do you really think we can't spot spam???

fulltime

im not a spammer, just only finished uni in june so ive not had 11 months, got job of my dreams which actually uses my degree (so flipping lucky) But just want to buy my parents something nice for helping me through uni.

if your going to be mean about it i'll just ask somewhere that people arent mean.

Apples2

fulltime wrote: »

Christmas loans In principle they sound like quite a decent deal

This is what did it for me!

There is no such thing as a decent deal. For loans, go to banks, not short term loan providers.

If you have only just started your working career, your parents will understand, and you will have all your wage to save up for next year, without repaying absurd interest rates.

MFWannabe

I thought it was meant to be the thought that counts?!
Please don't get any loan for christmas; just get them something thoughtful that you can afford; they will understand that you can't spend loads of money as you've only just started working. They would probably go mad if you borrowed money to get them something!!
If you want to do or get them something else then save up for it and do it/buy it when you can afford to

bouncydog1

Hi - I'm not mean!

I really don't think your parents would want you to take out a loan to buy them something for helping get you through Uni. Your parents' are, I would imagine, incredibly pround that you have managed to secure a job, particularly one that uses your degree. and that you really enjoy.

You are earning now so why not show them how responsible you are - you could just buy them a nice card which doesn't have to be expensive, and tell them how much you appreciate what they have done. Could you afford to buy them dinner perhaps or organise a takeaway with a nice bottle of wine, if they would enjoy that.

As a parent I would really not want my child to take out a loan to buy me a present - I would sooner she saved the money for her future - that would be thanks enough.

penelopedee_2

Please don't get out a loan. Treat your parents to something nice in the summer when you've had a few months to put a bit of money back.

I would be absolutely gutted if a child of mine got into debt over Christmas because of a present they bought me. It would worry me so much.

Why not cook them Christmas dinner or something instead and just bring along some nice food or drink to share with them.

molerat

fulltime wrote: »

if your going to be mean about it i'll just ask somewhere that people arent mean.

The only people that won't be mean are those giving you the loan.

Browntoa

don't do it, quick look at some of the web sites that offer

Typical 272.2% APR

Esoog

Browntoa wrote: »

don't do it, quick look at some of the web sites that offer

Typical 272.2% APR

That is true, but you're unlikely to have a short term loan that long. Although I'd never touch one of those places with a bargepole, one of them sums it up nicely saying "you don't go to a hotel and ask how much it'll cost for a year, you ask how much it is for how long you want to stay"