Christmas is expensive, and those at Credit Central on the West Bypass are here make sure there are presents under the tree and money left in the bank.

To do that, manager Amy Whiddon said the company has two specific products tailored for the Christmas season.

“We have what we call ‘holiday loans,’” Whiddon said. “First, I should say that we don’t use credit scores when doing holiday loans. We go by payment history. These are installment loans, so the full amount is never due all at once. Also, we don’t use interest rates. We charge an acquisition fee and a handling charge, and if you pay your loan off early, you get some of those fees back.”

Whiddon said a “small holiday loan” will give a customer $494.55 to do their holiday shopping, while a “large holiday loan” is for $990. Repayment doesn’t begin until January, she said. A small loan is repayable in eight payments of $84, while a large loan is repaid in 11 installments of $119.

“We also have a number of other products to meet the customer’s needs,” Whiddon said. “I just invite you come and sit down and tell us what we can do to help.”

Credit Central is located next to Little Caesar’s Pizza and is open, through Dec. 31, Monday through Thursday, from 8:30 a.m. until 5:30; Friday until 6 p.m., and on Saturday from 9 a.m. until 1 p.m.