Christmas loan
From gifts to feasts, make this holiday season extra special with our unsecured personal loans. Apply to borrow up to $50,000, with comparison rates from 6.17% p.a.¹, and make payments flexibly with less of the stress.
- 100+ countries and regions supported
- 65+ million global customers and counting
- Trusted with $61 billion in deposits
Get the best Christmas loan, custom-made for you
Apply to borrow from $5,000 up to $50,000, with a fixed interest rate throughout the term of your loan, and stretch your repayments over 1 to 7 years for ultimate flexibility. Comparison rates from 6.17% p.a.¹
Want to pay off your loan sooner? Go for it. Make early repayments anytime, without any extra fees. Now that's ultimate flexibility.
Trusted by 65+ million customers
Apply for a Christmas loan with Revolut
Borrowing money should be clear and simple — that's exactly what you get with our personal loans. But Revolut offers so much more than that. Check out our reviews and see for yourself.
How to get a Christmas loan with Revolut
- 1
1. Get your personalised rate
It's obligation-free, won't impact your credit score, and only takes a minute.
- 2
2. Apply via our app
Complete your application, submit documents securely, track progress, and chat with us — all in-app.
- 3
3. Receive cash instantly
If your application is approved and you accept our offer, you'll receive the funds straight away in your Revolut account.
How much does a Christmas loan cost?
Empower yourself with all the facts upfront before you commit to a loan.
Imagine you borrow $15,000 for 60 months with a fixed interest rate of 6.17% p.a. (comparison rate of 6.17%¹).
With no monthly fees and no early repayment fees, the estimated total amount you'll pay over the term of the loan is approximately $17,817 (including total interest), in monthly instalments of $297.
Example only. Get your quote to see your personalised rate and repayment amount. Upfront establishment fees may apply.
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What are the requirements to get a Christmas loan?
Here are some of the eligibility criteria we check when you apply for a loan, although we may also consider other factors. To be eligible, you need to:- be at least 18 years old
- be an Australian citizen or a permanent resident (temporary residents are not eligible)
- have a good credit history (with no adverse events like late loan payments)
- be employed (for at least 1 year if self-employed)
- have a minimum income of $2,000 per month after tax (approximately $26,000 per year before tax)
We'll also assess your ability to afford the loan and make sure it meets our responsible lending obligations.
Get a quote now
Get a Christmas loan with fixed interest rates
We've got fixed rates we're sure you'll love, with comparison rates from 6.17% p.a.¹ But don't take our word for it — get a personalised quote today.Get a quote
Security you can trust
Whether you're applying for a loan or managing your account, get top-level protection powered by a 2,500-strong fraud prevention team. It's easy to see why 65+ million global customers trust us to look after $61 billion in deposits.Fraud prevention team
Our anti-fraud team consists of 2,500+ members dedicated to protecting your money. They saved Revolut customers more than $1.2 billion in potentially fraudulent transactions during 2023 alone.
24/7 customer support
Speak to our award-winning support team in 100+ languages via secure in-app chat. Yes, even on a Sunday.
Personal data protection
You're in charge of your personal data. We always ask for your authorisation to use it, explain why we need it, and store it on secure systems with restricted access.
Custom-built security systems
We keep your account safe with two-factor authentication and provide powerful in-app tools that give you full control over your money.
We're here to help, 24/7
Whether you want to browse our Help Centre for solutions or speak to us directly via in-app chat, we've got you.
For whatever life throws at you
Other ways to use your Revolut loan
Whether you're aiming to buy a new car, renovate your home, or travel the world, you can make your plans a reality. We're here to back you up.
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Looking to refinance multiple debts? We've got you covered with our refinancing loan.
Why take out a loan with Revolut?
We'll let our customers answer that one. Check out our app ratings and see for yourself why 65+ million global customers use Revolut.
4.6 / 5
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All your questions, answered
Christmas loan FAQs
A Christmas loan is a personal loan designed to help you manage the financial demands of the holiday season. You can use it to cover additional expenses such as gifts, travel, celebrations, and more.
When you apply for a Revolut loan, we'll ask you what you plan to use the borrowed money for. If you want to use your loan for holiday or Christmas expenses, just choose Major purchase or Holiday in your application.
Our personal loans are available for many different uses, except for business purposes, investments, and gambling. Check out our Help Centre to find out what you can use your personal loan for.
- At Revolut, a Christmas loan is considered an unsecured personal loan. This means you don't need to offer any collateral as security in case you're unable to repay your loan. However, missed payments will show up on your credit file and negatively impact your credit history. You may also need to pay late payment interest, and we may report your missed payments to the credit bureau.
- You most likely won't be eligible for a Revolut loan if you have a bad credit history or current overdue debts. We'll run a credit check when you apply. You can get a personalised quote without impacting your credit score. If you're not eligible due to information in your credit file, we’ll let you know.
- To qualify for a Christmas loan, you need to meet several requirements and eligibility criteria, which vary depending on your country. You'll also need to provide all the necessary documentation shown in-app when you apply. We'll run a credit check and ask you to submit your bank statements to make sure you have a good credit score and stable income. Check out our Help Centre to read more about loan requirements in your country and how we determine your loan eligibility.
- If you're eligible for a Christmas loan, you can request a personalised quote in minutes. After that, it only takes a few more minutes to download the Revolut app, complete your application, and submit it for review. We'll then aim to get back to you with our decision within 1 business day. In some cases, we may ask for additional documentation from you. If this happens, we'll need more time to make a decision. If your application is approved, we'll send you an offer for you to review. Once your loan documents are received and accepted digitally, we'll add the funds instantly to your Revolut wallet. Visit our Help Centre for more on the loan application process.
- Yes, it's possible to get a loan to fund a Christmas celebration with Revolut. If you meet all eligibility criteria and your application is successful, we'll send you a loan offer for you to review. Once you accept, we'll add the loan amount to your Revolut account, and you can use the money you borrow for a Christmas celebration.
- You can apply for a loan in 3 steps.
- Get your personalised rate. It's obligation-free, won't impact your credit score, and only takes a minute.
- Apply via our app. Complete your application, submit documents securely, track progress, and chat with us — all in-app.
- Receive cash instantly. If your application is approved, you'll receive your funds straight away in your Revolut account.
In some cases, we might need more documents from you. If that happens, it could take us longer to make a decision.
¹Based on customers with excellent credit history, calculated on an unsecured personal loan of $10,000 and a 3-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Application approval and interest rate is subject to assessment. Terms, conditions, fees, and charges, and eligibility criteria apply.