Christmas loan

Planning a Christmas celebration? Make it a reality with our unsecured personal loans. Apply to borrow up to €50,000 with a variable APR (Annual Percentage Rate) starting from 7,01%.

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Loans that fit the bill

A Christmas loan custom-made for you

Borrow from €1,000 up to €50,000 with an Annual Percentage Rate (APR) starting from 5,74%, and stretch your repayments across up to 7 years.

Want to pay off your loan sooner? Go for it. Make early repayments anytime, without any extra fees. Now that's ultimate flexibility.

How to get a Christmas loan with Revolut

  1. 1

    Join Revolut

    Download the Revolut app for iOS or Android, then sign up.

  2. 2

    Complete your application

    Once you've been a Revolut customer for 30 days, you can go to Loans in-app and fill out the online application.

  3. 3

    Get your loan

    If your application is approved and you accept our offer, you'll receive the loan amount in your Revolut account. We'll automatically take your repayments from your EUR balance.

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Apply for a Christmas loan with Revolut

Borrowing money should be clear and simple — that's exactly what you get with our loans. But Revolut offers so much more than that. Check out our reviews and see for yourself.

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Let's crunch some numbers

How much does a Christmas loan cost?

Let's say you borrow 10 000 EUR for 60 months with a fixed annual interest rate of 6,79%.

The total amount you'll pay is 11 822,03 EUR, with monthly payments of 197,03 EUR. This includes the amount you're borrowing, plus the cost of the loan (including a fee of 0 EUR and interest payments adding up to 1 822,03 EUR).

This means your effective Annual Percentage Rate (APR) is 7,01%, which represents the total interest rate plus additional charges.

We'll run a credit check to set your interest rate and determine the loan amount you're eligible for.

A loan is a commitment and must be repaid. Make sure you're able to repay your loan before you sign.

Tick those boxes

What are the requirements to get a Christmas loan?

Here are some of the things we check when you apply for a Revolut loan, although we may also consider other factors. To be eligible, you need to:
  • be at least 18 years old
  • be a French citizen or submit a valid residence permit
  • permanently live in mainland France and have an updated address in your Revolut account
  • be a Revolut Bank UAB customer for at least 30 days and have all your personal information up to date in your Revolut account
  • have regular, sustainable, and verifiable income
  • have no negative balances in your Revolut account
Get started

Simple and speedy, from start to finish

Your Christmas loan, Made Easy — Apply in Minutes

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  1. Borrow in a few taps

    Apply for up to €50,000, and get a quick decision.

  2. Spend it your way

    Once approved, get your money 8 days after your loan agreement is signed, and kickstart your projects.

  3. Repay flexibly

    Pay it back early, or change repayment dates — with no extra charges.

The lowdown on pricing

Get a Christmas loan with competitive interest rates

How competitive is our pricing? We've got rates we're sure you'll love. But don't take our word for it — apply for your personalised loan and decide what's best for you.

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Budget with confidence

Estimate Your Loan with Our In-App Simulation Tool

Ready to plan your Christmas loan?

Use our in-app loan simulator to explore your Christmas loan options. Adjust the loan amount and repayment term to estimate your monthly payments and total cost — so you can choose what works best for your budget.

Simulate your loan

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Whether you're applying for a loan or managing your bank account, get top-level protection powered by a 2,500-strong fraud prevention team. It's easy to see why 65+ million global customers stick with us.

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 buying a new car, making home improvements, or travelling the world, we're here to back you up.

Why take out a loan with Revolut?

We'll let our customers answer that one. Read our reviews and get the scoop directly from those who know us best.

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Popular loan amounts

2,000 EUR
3,000 EUR
5,000 EUR
8,000 EUR
10,000 EUR
15,000 EUR
20,000 EUR
30,000 EUR

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. With Revolut, you can apply for a personal loan and use it to fund a Christmas celebration, just as you would use a Christmas loan for that purpose. Our personal loans are available for various uses, except for business purposes, investments, and gambling. Although our personal loan is not a linked credit, we'll ask you what you plan to use the borrowed money for when you apply. Check out our Help Centre to find out what you can use your personal loan for.
  • At Revolut, a loan that you use for a Christmas celebration 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 affect your credit history, and you'll need to pay penalty interest.
  • You most likely won't be eligible for a loan with us if you have a bad credit history or current overdue debts. We'll run a credit check when you apply.
  • To qualify for a Revolut loan, you need to meet several requirements and eligibility criteria, which vary depending on your country. Check out our Help Centre to learn more about loan eligibility in your region. You'll also need to provide all the necessary documentation shown in-app when you apply. We'll run a credit check to make sure you have a good credit score and stable income. Find out more about how we determine if you qualify for a loan.
  • Applying for a Revolut loan is quick and easy. It should only take a few minutes to fill out your form, get our decision, and receive an offer if your application is approved. Sometimes, additional documents such as proof of income may be required. In these cases, it can take a little longer. We'll notify you if this happens. Visit our Help Centre for more on the loan application process.
  • Yes, it's possible to get a loan for 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 4 steps.
    1. Download the Revolut app and sign up for an account.
    2. Be a Revolut Bank UAB customer for at least 30 days and make sure your personal information is up to date in your Revolut account.
    3. Go to Accounts below your balance, tap Add new, and select Personal loan to complete your online assessment.
    4. You'll get a decision in minutes. If you're eligible for the loan and you accept our offer, we'll add the money directly to your Revolut account.

  • There's no single ideal length for a Christmas loan, as the best repayment period truly depends on your personal financial situation and the specifics of the loan.

    What works for one person might not suit another. It all comes down to finding a monthly repayment that fits your budget while keeping overall costs manageable.

    Here are a few things to consider:

    • Loan amount: bigger loans often need longer terms to keep monthly payments affordable.
    • Monthly budget: shorter terms mean higher payments, while longer terms reduce the amount you pay each month.
    • Total cost of loan: shorter terms typically mean less interest overall, but longer terms offer more flexibility in your monthly budget.

    The best way to determine the ideal length for your Christmas loan is to use the Revolut in-app loan simulator.

    You can quickly adjust the loan amount and term to see how your payments and total costs change — and choose the plan that works best for you.

    Simulate your credit in-app.

Your next move, financed

Explore More Flexible Revolut Loan Options

From making big dreams a reality to navigating everyday needs, Revolut offers flexible and accessible loan solutions designed to support your journey.