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Where Can I Get A Christmas Loan?

The holidays can be a festive time of year, with parties, family get-togethers, magical decorations in neighborhoods and store and people expressing holiday cheer. But if your finances are tight, the holidays can be stressful. If you have limited income and assets along with damaged credit, you may ask yourself “Where can I get a Christmas loan?”  The truth is that banks probably aren’t an option.  The good news is that the answer to the question “Where can I get a Christmas loan?” is often as easy as getting in front of your computer and applying to LoanNow.

Christmas LoansBank Loans

If you have great credit and plenty of time to apply, the answer to the questions “Where can I get a Christmas loan?” is simple: apply for a bank loan.  Bank loans generally have the lowest interest rates and repayments structures as manageable monthly installments.  If you are a longtime customer, you may even receive additional perks. However, if your credit is questionable or if you’re applying right before the holidays, obtaining bank loans can be problematic.

Online Lenders

If your schedule is too busy to apply for a loan through a brick-and-mortar bank, an online lender could be the answer to the question “Where can I get a Christmas loan?”  If your credit is decent, there are two major sources for online loans: loan brokers and peer-to-peer lenders. Online brokers collect your information and distribute it to a select group of borrowers. You may receive multiple loan offers, just one or none at all. Peer-to-peer lenders require borrowers to undergo an initial screening before completing a detailed profile with extensive personal and financial information.  The profile is posted on the website, where potential donors may elect to fund some, all or none of your individual loan request.  Both processes require submitting your information for evaluation by third parties and the process can be lengthy.

Lenders for Bad Credit

Too often, when borrowers with bad credit ask “Where can I get a Christmas loan?” the answer is either the local pawn shop or a payday loan store.  Pawn shops provide loans with no questions asked, but with a catch. Borrowers must surrender their personal property as collateral. The loans they receive are typically only for about 25 percent of the value of the property the pawn shop holds as collateral.  Payday lenders typically don’t require collateral. Instead, loan repayments are timed to coincide with borrowers’ next paychecks – and repayment is expected in full.

LoanNow Lenders

With LoanNow, the answer to the question “Where can I get a Christmas loan?”  is an installment loan with manageable monthly installments, not a one-time lump sum payment. LoanNow is a direct lender; we don’t share borrower information with third parties. LoanNow also never demands collateral. We look beyond your FICO score to consider your entire financial profile.  LoanNow can help make your holidays merrier!

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* Funds will be distributed via ACH. Most banks will post the funds to your account by the next business day. Subject to underwriting approval.

** Subject to online availability and underwriting may request additional items prior to final approval.

† Loan approvals are subject to underwriting criteria and the approval process may take longer if required items are not able to be verified online or additional items are requested.

‡ Funds will be distributed via ACH. Most banks will post the funds to your account by the next business day. One’s bank will determine when funds are actually available.

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