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Christmas Loans for 2015

For many consumers seeking Christmas loans 2015 is a better year than many previous years. The unemployment rate is down and wages are finally beginning to rise.  Nonetheless, for many potential borrowers of Christmas loans 2015 prospects are similar to those for previous years – which is to say, not encouraging.  If you’re becoming frustrated with attempting to obtain approval from a bank, don’t give up. LoanNow may be able to provide the money you need to make this holiday season merry.

Christmas LoansBank Loans

For potential borrowers seeking bank Christmas loans 2015 requirements remain stringent, as bankers continue to be tight with issuing credit.   Despite the overflow of holiday spirit, bank officers are no more likely to extend credit to potential borrowers with less than perfect credit seeking holiday loans than they are any other time of year. Even borrowers with excellent credit often find that they must wait weeks to obtain a response, which makes it difficult to take advantage of big sales.

Credit Card Cash Advances

During the holiday season it’s tempting to bypass the banks in favor of credit card cash advances. But for consumers obtaining credit card advances as Christmas loans 2015 may stretch well into 2016 – at least as far as paying off the balances is concerned.  Unlike purchase transactions, credit card cash advances begin accumulating interest immediately – and the interest rates are often higher than those for purchases.

Pawn Shop Loans

Pawn shops have long served as lenders of last resort for borrowers who cannot obtain credit elsewhere.  But pawn shops require borrowers to surrender personal property in exchange for their loans.  And pawn shop loans typically cover only about 25 percent of the value of property being held as collateral.  Given these circumstances, for Christmas loans 2015 should be the year to skip the pawn shops in favor of a better alternative.


If you’re seeking Christmas loans 2015 is the year to check out LoanNow.  Unlike banks, we provide a response within minutes, and if you’re approved, your funds arrive by direct deposit as soon as the following business day. †.  We also never demand collateral, even if you have less than perfect credit.  Our loan repayment schedules are structured with manageable monthly installments. Find out for yourself why savvy borrowers get the money they need with LoanNow!

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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.

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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.