4 festive finance deals to save you a bundle this Christmas

It’s not quite time to deck the halls and break out the mistletoe, but with baubles and tinsel hitting shop shelves everywhere, it is time to start thinking about your Christmas spending!

You might be shopping for Christmas lunch, ticking names off your gift list, or setting your sights on an exotic getaway the festive season, but whatever your spending goals, we’ve found a Xmas money deal to make you feel extra jolly this year.


Virgin Money - Virgin Australia Velocity Flyer Card - Purchase Rate and Balance Transfer Offer
  • 0% p.a purchase rate for 12 months
  • $129 Virgin Australia gift voucher each year
  • Mozo Experts Choice Awards Winner 2016
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What’s the deal?

When you’re trying to organise Christmas lunch or ticking names off your gift list, the last thing you want to think about is paying credit card interest. Put it out of mind for a while with an interest free credit card from Virgin Money. Not only will you pay no interest for the first 12 months (then back to the regular 20.74%), but you’ll also score travel freebies including exclusive reduced flight offers.


Harmoney - Unsecured Personal Loan
  • Fixed rate from 6.99%
  • No ongoing fees ($500 upfront fee applies)
  • Free extra repayments
What’s the deal?

If you’ve got your eye on a bigger goal like an end of year holiday or a kitchen reno before the in-laws come to Christmas lunch, fund it with a low rate personal loan from Harmoney. Borrowers with excellent credit can snag rock bottom rates on loans between $5,000 and $35,000. You can also choose between weekly, fortnightly or monthly repayments to help you manage your budget as you pay off your spend.


Great Southern Bank - Secured Car Loan
  • Fixed rates from 6.79%
  • No ongoing fees ($90 upfront fee applies)
  • Free extra repayments and no early repayment penalty
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What’s the deal?

Fancy a new set of wheels for Christmas this year? Make it happen with a CUA Secured Car Loan. Available for up to $100,000, you can choose from terms of 1 to 7 years, and choose weekly, monthly or fortnightly repayments. There’s also free extra repayments and a redraw facility on offer to help you pay off your loan quicker, so you can kick back and enjoy your new car sooner.


American Express - Explorer® Credit Card
  • 50,000 bonus rewards points
  • $400 annual travel credit
  • 2 Membership Rewards Points for every $1 spent
What’s the deal?

Start Christmas off on the right foot with 50,000 bonus rewards points to redeem for things like  retail products, flights or gift cards. With a 20.74% purchase rate and a $395 annual fee, this piece of plastic is suited to spenders who will make plenty of use of all the travel freebies on offer (including free travel insurance, an annual travel credit and access to the Amex Lounge at Sydney airport) and want to stack up a heap of points quickly.

* WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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