Loan Promotions





If eligible, you could borrow up to £5,000 with Harp and Crown's Christmas loan promotion. 

  • Do you need to top up an existing loan to help with Christmas costs or cost-of-living increases?

  • Perhaps a loan would help to consolidate any high interest credit card debt into a more affordable monthly payment?

No matter the reason, please make sure any loan request is affordable to you and your circumstances.  Check out our loan calculator here to work out potential monthly payments.



The Christmas loan promotion is available to members from 10.00am on Monday 6th November until 4.00pm on Friday 24th November 2023.

Please read the Promotion Rules below and if you are eligible for a promotional loan an application form is not required, you can arrange your loan simply by calling the office on 028 9068 5198

It is not possible to arrange a promotion loan using the online platform.

If eligible, all that is required is an original signature on a ‘Loan Agreement’ form which can be posted or emailed in.


  1. The applicant must have had their account open for 6 months or more. Re-opened accounts must also have been re-opened for 6 months or more.

  2. The applicant must not have taken a loan in the past 3 months.

  3. The promotional loan cannot take the applicant outside the required 5:1 (loan to share) ratio at the time of borrowing. Promotional loan can be up to £5,000 if shares ratio available!

  4. The applicant must have had at least one previous loan by full application. A first loan cannot be a promotional loan.

  5. An applicant can avail of 2 consecutive promotional loans; however, each 3rd application will require completion of a full loan application form with the normal sanctioning process applying.

  6. Any application for the promotion which requires to go to Credit Committee for approval must be supported by a completed ‘Loan Application’ form, 3 consecutive months’ bank statements and 3 consecutive months’ loans statements, together with any active credit/store card statements.

  7. The promotion will not be available to members whose accounts are currently under restriction. 

  8. £500 PRIZE DRAW Ts & Cs: members who qualify for and are approved for a loan of £2,000 and over during the loan promotion period will be entered into our prize draw for the chance to win £500.  Applications must be received by 4pm on Friday 24th November to be valid for draw. One winner will be drawn and notified wc 4th December 2023.


Harp and Crown Credit Union reserve the right to refer any application to the Credit Committee.

Telephone – 028 9068 5198



Article published on 24 October 2023.

Harp and Crown Credit Union Ltd are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number (FRN) 577113. For details visit
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