Helping Good People Get Better Loans

Check Your Rate
Back to Christmas Loans

Christmas Loan Specials

During the holidays, it’s difficult to avoid the dozens of ads touting discounts for cars, department store layaways and other promotions. But while many of these ads feature money saving deals, Christmas loan specials offered by payday lenders are actually lures into a financial trap.  Don’t be fooled by Christmas loan specials from payday loan Grinches. LoanNow provides the cash you need with repayment terms you can live with.

Christmas LoansDepartment Store Layaways

Back in the day, nearly every discount store offered a layaway program.  However, for several years, layaways fell out of fashion. But layaways have made a comeback in recent years, especially during the holiday season. Unlike Christmas loan specials from payday loan stores, many layaway programs do not charge interest. However, consumers who fail to maintain their payments risk losing the merchandise they’ve set aside, along with any payments they’ve made up to that date. By contrast, a loan from LoanNow allows you to take your purchases home right away.

Payday Loan “Specials”

Celebrating the holidays can be expensive. Holiday cards, decorations, special meals, travel, and of course, gifts – the costs add up. But Christmas loan specials from payday loan stores will drain away your holiday spirit even before you’ve wrapped all your gifts.  The cycle of debt that results will have you feeling like Scrooge on his worst days.

That’s because payday loans, including so-called Christmas loan specials, combine the perfect storm of extremely high interest rates, demands for up-front payment in full and unrealistically short loan repayment periods – sometimes as short as 10 days. As a result, many borrowers find themselves unable to repay their loans on their original due dates. That’s when rollovers kick in, triggering a cycle of partial payments and added interest charges. After just a few rollover cycles, a modest loan of four or five hundred dollars often balloons into a financial obligation that measures well into four figures. Many borrowers remain in debt for months, if not years, before they are finally able to pay off their loans.  That’s no way to celebrate the holidays.

LoanNow: the Better Option

Instead of being drawn in by Christmas loan specials from payday lenders, let LoanNow provide the money you need. Unlike payday lenders, LoanNow does not demand full payment up front for our loans. Instead, repayments are structured into manageable monthly installments that work with your budget. LoanNow also says no to rollovers that can dramatically increase the amount of money you owe. Don’t let payday loan Grinches spoil your holidays. Get the holiday cash you need with LoanNow!

Check Your Rate

Why LoanNow

  • 5-Minute Application

    All it takes is a few minutes. We’re fast, easy and headache-free.

  • Fast & Easy Approval

    Get your quick loan approval online. Money in minutes. †

  • Deposit to Your Account

    Funds are deposited fast into your bank account! ‡

How It Works

  • Apply Now

    Complete our easy online application. It takes 5 minutes and there is no paperwork and no faxing required.

  • Get Approved

    You will get a quick loan approval decision. We are a direct lender so there is no long wait for an answer.

  • Get Your Money

    We deposit your money right into your bank account. Your installment loan payments come from the same account - automatic, no hassles.

What We're About

  • "We believe we can change the world by helping people with less than great credit get back on track."

    Miron, The Team

  • "Our loans reward you for good behavior instead of trapping you in an endless spiral of interest & penalties."

    Harry, The Team

  • "Our mission is to build the fastest & easiest way to get a loan."

    Jesse, The Team

Grow Your Score

Our personal loans reward you for good behavior instead of trapping you in an endless spiral of interest & penalties. Together, we grow your LoanNow score to unlock better rates.

LoanNow Score

* 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.