Latest News

10 Nov 2026

Staying Safe: Have yourself a scam free Christmas

Protect your money this festive season! Learn how to spot fake delivery texts, online shop scams, and protect your Gateway Credit Union account from fraud.

09 Nov 2026

Member Update | Christmas and New Year Opening Hours

02 Nov 2026

Stop the Silence: How Talking About Money Transforms Your Financial Life

Talk Money Week: Learn how starting an open conversation about money can reduce stress, build trust, and transform your financial life with support from Gateway Credit Union.

24 Oct 2026

Planning for Christmas? What to Consider Before Taking Out a Loan

Thinking of borrowing for Christmas? Learn how to calculate your budget, avoid hidden fees, and choose fair loans with Gateway Credit Union. Read our guide!

12 Oct 2026

GCU - Newsletters

Get the latest Gateway Credit Union news, updates, and financial tips! Stay informed about special offers, community events, and helpful resources with our free monthly eNewsletter. Subscribe today!

11 Oct 2026

Celebrate "Cooperation for a Prosperous World" This International Credit Union Day®

Join Gateway Credit Union on October 15 to celebrate International Credit Union Day® 2026! Discover the cooperative difference, and see how we put our members first.

07 Oct 2026

Meet Gateway's Nominees for the Credit Unions of Wales Awards 2027!

Vote for Gateway Credit Union’s local heroes in the Credit Unions of Wales Awards 2027! Support Sue, Ron, Chloe, Jessica & Howard today. Cast your vote now!

25 Sep 2026

Where Does £2 a Day Really Go?

Discover how saving just £2 a day can transform your finances. Explore simple savings habits with Gateway Credit Union to build your future resilience today.

20 Sep 2026

Make Your Child Benefit Work Harder for You: Saving, Planning and Preparing for Christmas

Find out how paying Child Benefit into your Gateway Credit Union account can help you save, prepare for Christmas, manage costs and access affordable loans.

14 Sep 2026

Strengthening debt support together with the updated MaPS Toolkit

Gateway Credit Union shares the updated MaPS Supportive Debt Recovery Toolkit to improve collaboration, fair repayments, and support for people in debt.

Christmas Loan

Spread the Holiday Cheer with a Gateway Christmas Loan

Christmas is all about bringing people together, sharing moments with loved ones, and creating memories that last long after the decorations come down. But we know the festive season can bring a little extra financial pressure, too. That’s where your community at Gateway Credit Union comes in!

Whether you’ve been a member for years or are joining our credit union family for the first time, our Christmas Loan is designed to help you spread the cost of the holidays into manageable, budget-friendly payments. We’re here to take the stress out of your seasonal spending so you can focus on what truly matters, celebrating with the people you care about.

Why Choose a Gateway Christmas Loan?

  • Made for Our Community: Friendly, local support from people who care about your financial wellbeing.

  • Simple & Hassle-Free: Apply online in just a few clicks and get your funds ready

  • Peace of Mind: Enjoy the festivities knowing your budget is safe and intact for the new year.

Celebrate the season of giving with confidence. Apply for your Christmas Loan online today, and let’s make this season special together!

Terms and conditions apply. Gateway Credit Union is dedicated to responsible lending.

Apply here today

The information I have given is true and accurate, and I will notify Gateway Credit Union if any of the information changes before my loan is assessed. I understand that I have a responsibility to make all my loan repayments on time and in full. I understand that my savings to cover the loan will be moved to an Attached Savings account. This account will be held as security against my loan and withdrawals will only be allowed once the balance of the loan falls below the balance held in your Attached Savings account. I confirm that Gateway Credit Union can use all the information in this application in the running of my credit union account(s) together with any other checks (including checking with licensed credit reference agencies) for assessing my application to avoid fraud and to recover any outstanding debts. I know of no-good reason why I would be unable to carry on with my usual work or why my benefits or other income may change during the term of the loan.

Consent is required to store and process the data in this form.

Maximum Loan Amount :
Maximum Loan Term :

£

Term

Repayment Frequency
£
APR
42.6%
# Repayments
Total
Apply Now
£
APR
42.6%
# Repayments
Total
Apply Now
£
APR
42.6%
# Repayments
Total
Apply Now
£
APR
42.6%
# Repayments
Total
Apply Now

This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. This calculator only provides an indicative quote and actual repayments may vary.