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Christmas Loans With No Credit Check

During the holidays for many lenders offering Christmas loans no credit check promises are par for the course. But many of those loans actually offer less than meet the eye.  That’s because for many so-called Christmas loans no credit check actually means that the lender isn’t a lender at all. Borrowers who submit their information to such websites often risk exposing themselves to email inboxes filled with SPAM or worse, identity theft.  Savvy borrowers stick to real lenders — like LoanNow.

Christmas LoansThe Pawn Shop Grinch

For borrowers obtaining pawn shop Christmas loans no credit check is par for the course. The only concern for pawn shop proprietors is what borrowers offer as collateral for their loans.  In many ways, pawn shop operators are Grinches – they demand borrowers surrender their personal possessions (temporarily) in exchange for loans that cover only about 25 percent of the value of the collateral.  Even worse, borrowers who fail to repay their loans within the specified period – usually 30 to 60 days, forfeit their possessions for good. So much for holiday spirit.

“This Website Is Not a Lender”

Many desperate consumer fall for websites boasting promises like “All applicants accepted!”  Don’t be fooled. For many of these websites claiming to offer Christmas loans no credit check should be a red flag.  A check of the fine print reveals the truth. Phrases such as “this website is not a lender” reveal the true nature of these websites. Such websites are not lenders, but intermediaries that collect borrower information to distribute to third parties. In some cases the third parties are lenders, but in many instances information is simply sold to the highest bidder.  Borrowers who are unfortunate enough to submit their information to these websites often find that their email inboxes are stuffed with SPAM. Borrowers who are especially unlucky may find themselves targeted for identity theft attacks.

The LoanNow Alternative

It’s understandable why desperate borrowers fall for online lending scams.  But it’s important to remember that with websites claiming to offer Christmas loans no credit check means no loan.  Savvy borrowers stick with real lenders like LoanNow.  LoanNow is a direct lender — we don’t share information with third parties.  And with LoanNow, you’re more than a FICO score – we approve many borrowers banks turn down. We also never demand collateral or repayment up front. Our repayment plans are structured with manageable monthly installments. If you fall behind, we work with you to get you back on track. Borrowers who maintain consistent on-time payments are rewarded with lower interest rates on future LoanNow loans. Let LoanNow help make your holidays merry with the cash you need – and repayment terms you can live with!

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† 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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