Close

Christmas Loans up to $12,0001

Get up to $12,000 with security on your loan1

  • Christmas Gifts & Parties
  • Holidays & Day Trips
  • Flights & Accommodation
  • Other Expenses
Get Started
Title

Latest Loan Reviews

Xmas Personal Loans

Take the stress out of Christmas with a Personal Loan from Money3. Simply complete the short form above and click submit to get your fast track application started.

The Christmas period is always expensive, so whether your loan is for Xmas gifts, party expenses, day trips, holidays, flights or food - Money3 could help.

On Centrelink? Got Bad Credit? Refused Elsewhere?

Getting your loan approved1 with Money3, may be easier than you think. Money3 will give you a fair go - even on Centrelink1. As long as you meet our basic criteria and we are happy that the loan is suitable and affordable for you, then we will work with you to get your personal or secured loan approved as soon as possible - whatever your credit history!

We will consider your loan application*, even if:

  • You are receiving disability or parenting pension payments
  • You have been refused credit elsewhere
  • You have retired and are on a pension
  • You don't have a good credit history
  • You are receiving Centrelink income1
Get Started Now

Christmas Loans up to $12,000

How Does it Work?

We'd like to see your loan approved soon as possible.

Even with bad credit, as long as your income; that is earnings and Centrelink income totals $1,6001 a month or more, that you are an Australian resident, then you are likely to qualify*.

You Must:

Get started by completing the short form above. Tell us a little about yourself and we'll take it from there and give you a call back.

Get Started Now

Christmas Loans up to $12,000

Common Questions

Can I get a Christmas loan if I am on a low income?

Yes, you could1 with Money3, providing the loan is affordable to you and you take home over $400 a week.
You must:

  • Be Over 18 Years Old
  • Take Home Income( with benefits) over $400 a Week1
  • Be an Australian Resident
  • Get Your Income Paid into Your Account

Can I get a Christmas loan if I am on Centrelink?

Yes, you could1, however the amount you could borrow may be affected by the affordability of the loan.

Can I get an Xmas loan if I have a bad credit history?

Yes you could1. Money3 specialising in giving people a fair go, regardless of any mistakes on their credit file in the past. We'll look at your current situation and work out what is affordable for you.

What can I spend my Christmas loan on?

You could spend it any number of things. We all know that at Christmas things can get expensive. If you are planning on going away on holiday over the holiday period, we could help with that. If you want to make sure your children have a Christmas to remember with some special gifts, we can help with that too. Christmas is also a time to spend with family and friends and if you need to cover the cost of flights to visit family back home, your Xmas loan could cover that also.

How early can I apply for an Xmas loan?

If you are reading this page on our website, then the answer is now! By planning ahead, you could save money on flights and hotels and also allows you to know how much you could afford when choosing some special gifts or arranging some parties.

Can a Christmas loan cover the Xmas and New Year Sales?

Absolutely it could1. It is often wise to wait for the sales and pick up some bargain clothes, electronics or furniture - perhaps even a holiday booking. Especially if you already have something in mind.

Example Christmas Loans Costs Chart

Platinum
19.95% APR
Silver
25.00% APR
Bronze
28.00% APR
Borrow Costs Repay
$5,000 $2,211 $7,211
24 Months at 19.95% APR & 35.97% Comparison Rate
$7,500 $3,316 $10,816
24 Months at 19.95% APR & 39.00% Comparison Rate
$10,000 $6,803 $16,803
36 Months at 19.95% APR & 38.18% Comparison Rate
$12,500 $8,252 $20,752
36 Months at 19.95% APR & 37.19% Comparison Rate
$15,000 $9,701 $24,701
36 Months at 19.95% APR & 36.53% Comparison Rate
Borrow Costs Repay
$5,000 $2,557 $7,557
24 Months at 25.00% APR & 44.43% Comparison Rate
$7,500 $3,835 $11,335
24 Months at 25.00% APR & 44.43% Comparison Rate
$10,000 $7,903 $17,903
36 Months at 25.00% APR & 43.47% Comparison Rate
$12,500 $9,627 $22,127
36 Months at 25.00% APR && 42.51% Comparison Rate
$15,000 $11,351 $26,351
36 Months at 25.00% APR & 41.87% Comparison Rate
Borrow Costs Repay
$5,000 $2,767 $7,767
24 Months at 28.00% APR & 47.66% Comparison Rate
$7,500 $4,150 $11,650
24 Months at 28.00% APR & 47.66% Comparison Rate
$10,000 $8,577 $18,577
36 Months at 28.00% APR & 46.62% Comparison Rate
$12,500 $10,469 $22,969
36 Months at 28.00% APR && 45.68% Comparison Rate
$15,000 $12,361 $27,361
36 Months at 28.00% APR & 45.05% Comparison Rate

Money3 Specialises in Giving People a Fair Go!

Whatever your credit needs1, employed or on Centrelink, Money3 has loan products to suit.

Get started by selecting the type of loan you are looking for; Personal Loans up to $12,000or our larger Vehicle Loans up to $50,000 then give us your contact details to get your application started.