If you think Harry Potter was going to be the most imaginative marketing plot this Christmas, think again. Each Christmas, as consumers look at their finances and investigate the different sources of funding to cover their Christmas shopping, loan companies and credit card providers polish up their marketing tactics and customer service skills.
No doubt some of you will see an advertisement for a Christmas loan over the next few months. Unfortunately for you, its not provided by a jollyvaceous (curvy and happy) bearded man in a red, furry suit. Its more likely to be a cunning marketing initiative by a loans company designed to exploit consumer cash concerns over Christmas.
If you need credit over Christmas you will probably fare better with a credit card, but if you have to take out a loan, youd be better off searching for a standard personal loan, on a secured or unsecured basis. There are plenty of sites which offer price comparison services for credit cards and loans. The most popular ones include moneynet, moneysupermarket and lowermybills, but if you really want the best deal why not visit them all and cross-reference the fairest deal.
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