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Christmas could cost 72% more on a payday loan

Christmas could cost 72% more on a payday loan

Citizens Advice says taking out a payday loan to pay for Christmas could increase costs by almost £600.

It found that the average spend for Christmas jumped from £821 to £1,413 if paid for with a typical three-month payday loan.

The charity is now encouraging those who use credit to purchase presents to make sure that they understand the final costs once interest and fees are accounted for.

“Christmas on credit can cause a debt hangover,” said Gillian Guy, Chief Executive of Citizens Advice.

“It is important that anyone thinking about turning to credit to help pay for Christmas understands the full costs involved and if they can actually afford to pay it back.”

Citizens Advice also said it helped more people with money worries at the start of this year compared to any other time in the last 12 months, with people seeking help with 422,000 debt problems between January and March 2015.

“With a month to go, there’s still time to plan and budget for the festive season,” added Gillian.

“Anyone worried about their finances should seek advice before taking on credit to help them avoid starting 2016 in debt.”


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