Christmas Loans
Celebrate the Festive Season Without Financial Stress
WDPCCU’s Christmas Loan helps you enjoy the holidays with affordable, short-term financing for gifts, travel, and celebrations—with repayment designed for the new year.
Key Benefits:
✅ Festive-Focused Amounts – ¢500 to ¢20,000
✅ Low 15% Interest Rate – Better than “sika mp3” loans
✅ Extended Repayment – Due by March 31
✅ Quick Approval – Within 24 hours
✅ No Collateral – Uses your membership history
Loan Features
1. Loan Terms
| Amount | ¢500 – ¢20,000 |
| Repayment Period | 1–3 months (Due by March 31) |
| Interest Rate | 15% flat |
| Disbursement | Cash, mobile money, or WDPCU account |
2. Special Perks
🎄 Early Bird Discount – Apply before Nov. 30 for 12% rate
🎁 Gift Budget Planner – Free with every loan
🔄 Rollover Option – Convert to personal loan if needed
What Can You Finance?
🛍️ Gifts & Shopping – Spread the joy without cash crunch
✈️ Travel Costs – Visit family upcountry or abroad
🍗 Festive Feasts – Cook that special jollof for everyone
🎉 Events & Outfits – Hosting parties or new Christmas clothes
Why Choose WDPCU?
🌟 No January Stress – Repayment aligns with post-holiday income
🌟 Culture-Friendly – We understand Christmas pressures
🌟 Debt Protection – Optional insurance covers unforeseen issues
Comparison:
| WDPCU | Mobile Loans | Susu Collectors | |
|---|---|---|---|
| Interest | 15% | 30-120% | 20-50% |
| Term | 3 months | 1 month | Daily/Weekly |
| Safety | Insured | High risk | No receipts |
Eligibility & Application
Who Qualifies?
✔ Active member for 6+ months
✔ Regular savings deposits (¢100+/month)
✔ Valid ID (Ghana Card/Passport)
Frequently Asked Questions
Q: Can I get both Xmas and regular loans?
A: Yes, if total repayments don’t exceed 50% of your income.
Q: What if I can’t repay by March?
A: Convert to a 6-month personal loan (terms apply).
Q: Are group applications allowed?
A: Yes! Family/Susu groups can borrow up to ¢50,000 collectively.
Q: Can I buy items directly with the loan?
A: Yes! We partner with major retailers for direct purchases.