Spread the cost of Christmas for less with loans £500 to £1000 at 26.8% APR when you repay through payroll. Usual interest rate 42.6% APR
Christmas can be costly – but borrowing with Wave makes it simpler and more affordable.
This year, our Christmas payroll loans (under £1,000) come at a special lower rate of 26.8% APR (usual rate 42.6% APR).
And here’s the clever part:
✨ Borrow what you need this Christmas
✨ Repay easily through your wages
✨ Once the loan is cleared, your payroll deductions continue – building savings for next Christmas
That means you’re not just borrowing this year, you’re also getting ahead for 2026.
This special rate is available for loan applications received between 1st November and 15th December 2025 and are only available to employees of our Employer Partners who repay their loans directly from their salary. Any existing loans cannot be refinanced at this promotional rate.
