Money gets really essential when holidays come and all you want to think about is enjoying the pleasure of meeting close friends and relatives, giving presents, going out, etc. but not agonizing about finances. That's why borrowing becomes especially popular at this time. There's a variety of loans designed to help you cover Christmas and other holidays expenses. Compare your options and decide which way to get extra cash advance suits you.

Loans for ANY  NEEDS
APR from 4.99%

Contents:

What Christmas Loan to choose?

Short-term $100 - $1000 Payday Loans.

Unsecured Installment Loans up to $5000.

Bad Credit $5000 - $35000 Personal Loans.

Credit cards.

Refund Anticipation Loans.

Auto title loans.

Line of credit.

Best Bad Credit Loans for Christmas.

Three steps to get a Christmas Loan.

How to choose the best Christmas Loan?

Before applying for a Christmas Loan consider your options.

How to resist the temptation and spend less at holidays?

Pros and cons of taking out a Christmas loan.

Things to avoid with Christmas loans. 

States where you may need a loan most of all.

What Christmas Loan to choose?

Borrowing for holidays may seem not a very good idea as your festive mood can be ruined by the debts you get into after all the fun is over. Still, if you find yourself in a disappointing situation when you can’t afford to make presents to your children, or even decorate a house, cash advance may be the last way out. Plan your spendings, don’t waste money, don’t buy unnecessary staff, calculate the cost of the loan and make sure you’ll pay it back on time. As you’ve done all this – consider your options and choose the one which will suit your needs and which you can handle.

Short-term $100 - $1000 Payday Loans.

Typically, a payday loan is a short-term, high-cost loan that is due on the borrower’s next payday. Some states set limits on the rates and fees that can be tacked on short-term loans, and some states don’t allow lenders to provide them at all. But we partner with more than 300 direct lenders ready to offer you up to $1000 cash advance online and in-store with no collateral, no hard credit check and no hidden fees. Compare loan details and choose the one that suits you:

Check Into Cash offers Payday Loans, Title Loans, Personal Installment Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $50
  • MAX Loan Amount: $3000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day
  • Payday Loans
  • Online Payday Loans
  • Title Loans
  • Installment Loans
  • Online Installment Loans
  • Line of Credit
  • Flex Loans
  • Other Services
  • Check Cashing
  • Bill Pay
  • Western Union 
  • U.S. Money Card
  • Cell Phone Top-Ups
  • Sell Us Your Gift Cards For Cash
  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
Pros
  • You can get even as low as $50.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.

 

 

LendYou is will help you get the cash you need when you need it. You can apply for Payday Loans, Installment Loans or Personal Loans, etc. Compare the lenders and get matched with the best one.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
  • $100 - $1000 Payday Loans
  • $1000 - $5000 Installment Loans
  • $5000 - $35000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
Pros
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collatera or guarantor.
  • Bad credit is OK. 
Cons
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 

 

 

Loan By Phone offers Payday Loans, Installment Loans and Line of Credit.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $3000
  • Terms: Varied
  • Rates and fees: Vary by state
  • Turnaround Time: 1 business day
  • Payday Loans
  • Installment Loans
  • Line of Credit
  • 21 years of age
  • Social Security Number
  • Proof of Income (from your job, pension, welfare, or other source)
  • Valid email address
  • Active checking account (open for at least 90 days)
  • Current cell/home and work phone number
Pros
  • All loan applications and requests are guaranteed confidential and all transactions are governed in accordance with the laws of your state of residence.
  • Flexible repayment.
  • Available in most states.
Tab title 2
  • High interest rates.
  • If you don't pay back on time your data may be sold to third parties.

 

 

Unsecured Installment Loans up to $5000.

Installment loans are loans with fixed monthly payments, which can be paid over several months. The terms and amounts of your loan can vary greatly depending on your credit score, debt-to-income ratio and your yearly income, but in general, installment loans are a safer and more affordable way to get extra cash.

Compare online lenders, double check their rates and terms before applying.

Jora Credit offers Installment Loans and Lines of Credit.

  • MIN Loan Amount: $500
  • MAX Loan Amount: $2600
  • Terms: 24 months
  • Rates and fees: 170% - 349% APR
  • Turnaround Time: 1 business day
  • Installment Loans
  • Line of Credit
  • You reside in a state we currently serve.
  • You are at least 18 years old (19 if residing in AL).
  • You have a job or other proven source of income.
  • You have a valid e-mail address.
  • You have an active and valid checking account.
Pros
  • Simple - it’s easy to apply right from your phone, laptop or tablet – anywhere, anytime.
  • Secure - сomplete the secure online application, find out how much you can be approved for.
  • Fast - accept your loan by 10:30am Central time and you can get your funds on the same day.
  • Helpful - with Jora, you’ll have helpful tools to increase your earnings and maximize your career.
Cons
  •  Not available in all US states. 
  •  At 349%, highest rate of APR is not too dissimilar to a Payday loan.

 

 

Greenlight Cash created an online platform to connect consumers like you with reliable lenders across the country. They partner with a large network of professionals so you get a chance to work with one of them and meet the challenge of improving your financial situation in the most effective way. Once you tap submit, you get one step closer to receiving the funds.

  • Payday Loans
  • Installment Loans
  • Personal Loans
  • be a legal U.S. resident
  • be at least 18 years old
  • have a stable source of income
  • be currently employed
  • have an active bank account
Pros
  • Unrivaled flexibility and accessibility.
  • Predictable monthly payments

  • Quick and simplified borrowing process

  • Any credit is welcome
Cons
  • Not a direct lender.

 

 

 

Bad Credit $5000 - $35000 Personal Loans.

If your holiday expenses are much higher than you planned or you’ve faced some emergency requiring substantial sum of money, consider Personal Loans. Up to $35000 can be provided even to bad credit borrowers. Personal Loans are unsecured and less expensive than short-term cash advance. You pay back in fixed equal installments over several months or years.

LendYou is will help you get the cash you need when you need it. You can apply for Payday Loans, Installment Loans or Personal Loans, etc. Compare the lenders and get matched with the best one.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
  • $100 - $1000 Payday Loans
  • $1000 - $5000 Installment Loans
  • $5000 - $35000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
Pros
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collatera or guarantor.
  • Bad credit is OK. 
Cons
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 

 

 

OneMain Financial offers Personal and Auto Loans as well as other money products at affordable rates online and in-store. 

  • MIN Loan Amount: $1500
  • MAX Loan Amount: $20000
  • Terms: 2 -5 years.
  • Rates and fees: 18% - 35.99% APR
  • Turnaround Time: Same day
  • Personal Loans
  • Auto Loans
  • Established credit history
  • US citizen or permanent resident
  • Meet your state’s minimum age requirement
Pros
  • Same day funding.
  • Secured loans available. 
  • Poor credit is not a problem.  
  • About 1,700 branches in 44 states.
Cons
  • Strict penalties for late payments. 
  • Available not in all states. OneMain Financial doesn’t operate in the following states: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont and Washington D.C. 
  • Must complete the applying process at a branch store. 
  • If you take out a secured loan, you'll be required a full coverage on the vehicle you use as collateral.

 

 

Credit cards.

Most Americans have at least one credit card. Though it’s very tempting to use it for Christmas shopping, you need to be careful as interest can build up quickly. Keep in mind that cards are different. Some of them have an interest-free grace period on purchases, meaning they won’t charge you interest so long as you pay off your statement balance in full every month. Others have no interest-free grace period. Be responsible using both types. Try not to carry your credit card balance.

Refund Anticipation Loans.

In states that don’t allow Payday Loans, many people apply for Refund Anticipation Loans. These are cash advance in the amount of what you think your tax refund is going to be. Repayment terms range within a few weeks.

These type of loans are rather expensive as have high interest rates. Besides, it’s often hard to exactly predict your tax refund. So you may end up with more debt.

Auto title loans.

If you didn’t succeed in being approved for an unsecured Personal Loan, try Auto Title cash advance. You’ll be required a collateral – your car, so this type of loan is rather risky. If you don’t pay back the money in a few months, you may lose your vehicle.

Line of credit.

If you're not sure how much you'll need over the holidays, consider a Line of credit. It will provide access to a credit limit that you can draw on. You can control the amount you spend and repay.

Best Bad Credit Loans for Christmas.

Getting some extra cash this Christmas can seem hard if you have bad credit. But there’s nothing impossible, especially at holiday time! We suggest considering these reputable lenders who offer cash advance for borrowers with any type of credit.

You may also consider No credit check loans. You will just need to prove your creditworthiness by providing evidence of your income.

Bad Credit Loans helps borrowers with bad credit score get the necessary urgent cash up to $5000. They connect you with reliable lenders who offer lower rates and affordable terms. 

  • MIN Loan Amount: $500
  • MAX Loan Amount: $5000
  • Terms: 3 - 36 months for Installment Loans
  • Rates and fees: 5.99% - 35.99% APR
  • Turnaround Time: 1 business day
  • Personal Loans
  • Business Loans
  • Credit Cards
  • Mortgage Loans
  • Home Loans
  • Student Loans
  • Auto Loans
  • a legal citizen of the US
  • an adult (age 18 or older)
  • a valid email address
  • a working phone number
  • the bank account where you’d like the money transferred. 
Pros
  • All credit score welcome
  • No collateral requirement
  • Easy loan request form.
  • Online processing
  • Quick Loan Request Decision
  • Rapid disbursement
Cons
  • High interest rates. 

 

 

 

The cost of Christmas:
Cost of Christmas  

Three steps to get a Christmas Loan:

  1. Check if you’re eligible for the necessary loan. Compare the lenders and choose a suitable one.
  2. Fill out an online application form.
  3. Submit your personal and financial information and if approved get the money within 1 – 2 business days.

How to choose the best Christmas Loan?

Before applying, always consider several offers, compare their rates and terms and choose the best one. Find out the following information on the cash advance:

  • If the repayment process is flexible. Make sure there are no prepayment or late payment penalty fees.
  • The turnaround time. If you need money fast, choose same day or other quick cash advance.
  • Select the loan type which will suit by amounts and terms and interest your particular situation.

Before applying for a Christmas Loan consider your options:

  • Borrow some cash from family or friends and pay it back without a high-interest rate.
  • Earn extra money – take up an odd job of a seasonal customer rep, driver, delivery man, etc.
  • Sell something online.
  • Earn money recycling – find the recycling centers near you and exchange unnecessary staff from your garbage into some extra cash.
  • Apply to Christmas charity organizations such as Make a Wish Foundation, Toys for Tots, United Way Christmas Bureau, Operation Christmas Child, Christmas Spirit Foundation, etc.
  • Take advantage of holiday sales and discounts, find out the details of cash back programs.
  • Use layaway opportunity - reserving an item you want to buy, but don’t have the funds to purchase up front.
Why people spend so much at Christmas - Psychologists expert opinion.
  • It’s too easy to use a credit card and not think about spending until you get the bill next month.
  • Too many tempting deals, sales and discounts which make you think that you must buy these goods as they are so cheap now.
  • Not planning Christmas expenses in advance.
  • Many people go to a mall just because of boredom and are going just to look around which naturally leads to more useless purchases.
  • Putting off till the last minute – shopping just before the holiday means less choice and higher prices.

How to resist the temptation and spend less at holidays?

  • Shop with cash or purchase gift cards in the amount you can afford.
  • Don’t buy things simply because they are on sale.
  • Plan your Christmas budget in advance.
  • If you have nothing to do during holidays, go to the movie, take a walk, build a snowman, go to the gym but not to a shopping mall.
  • Do the Christmas shopping beforehand, save the last minutes for family and other pleasant things.
  • Save on food, decorations and outfits – you can use the ones from the last year, nobody will notice.
  • Make gifts yourself and save on wrapping.
  • Track your spending and compare them regularly to the budget you’ve planned.

Christmas Expenses - Interesting Facts!

Christmas facts

Pros and cons of taking out a Christmas loan.

Pros
  • It's quick and easy money sollution at times when you most need it.
  • Available for any typ of credit.
  • Suitable for any personal needs.
  • The rates and fees are fixed so that you know what to expect.
  • There are no hidden fees.
  • You can choose the most affordable terms.
Cons
  • Can lead to more debt.
  • Makes you spend even more than you need.
  • Thinking only about Christmas expenses you may forget about other essential payments.

Things to avoid with Christmas loans. 

Christmas Loans warning

  • Remember about high interest rates. Apply for a loan only if you really need it and if you make sure you can afford it.
  • Don't forget about additional fees besides interest: verification fee, NSF fee, late payment fee, etc. Find out all the details before you sign the agreement.
  • Choose only a reliable lender, try not to get across scams.
  • Plan your budget carefully to ensure that you repay the money back on time.

Don't let money problems spoil the best time of the year. Let it be Merry Christmas!

Loans for ANY  NEEDS
APR from 4.99%

States where you may need a loan most of all.

In some states residents seem to be more enthusiastic about coming holidays than in the others. They are overwhelmed by Christmas spirit and naturally tend to spend more. As a result the need for extra money also increases. If you live in one of the following states, find out how to apply for cash advance at your location:

Or compare all the Christmas loans available now online and fill out a free application form to know if you prequalify. It doesn't affect your credit score. Neither does it make you liable for anything.

Loans for ANY  NEEDS
APR from 4.99%