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Christmas Money Loans

During the holiday season, there are many demands on your money above and beyond your usual household expenses, including travel, decorations, special meals and oh, yes, gifts.   Many people turn to Christmas money loans to make up the shortfall. Depending on your circumstances, the best source for Christmas money loans could be LoanNow.

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Applying for Christmas money loans from a bank can be a frustrating, lengthy process. Borrowers with less than ideal credit may be required to provide collateral, a credit worthy cosigner or both as a condition for approval.  Applicants with poor credit are often refused out of hand.  And regardless of credit status, bank applications often require weeks for processing – which is problematic during the busy holiday season.

Online Lending Brokers

Obtaining Christmas money loans from online lending brokers allows you to apply from the privacy of your own home. The initial application is submitted to the online broker, which distributes the information to a select group of lenders. Those lenders decide whether to make an offer to fund your loan application or not.  Many borrowers receive several offers; some receive only one offer, while others receive none.  Naturally applicants with better credit profiles receive the most — and best – lending offers. The length of the lending process also varies, regardless of borrowers’ credit standing.

Peer-to-Peer Lenders

Prospective borrowers who wish to obtain Christmas money loans from peer-to-peer websites should clean up their credit reports, polish up their personal profiles and apply as soon as possible.  The peer-to-peer lending process involves an initial screening step that eliminates prospective borrowers with FICO scores below the mid-600 range, followed by posting a detailed personal and financial profile online.  Prospective borrowers – who include members of the general public who sign up with the site – can opt to fund some, none or all of a given loan request. Individuals who feel squeamish about posting such detailed personal information on a semi-public forum would do well to pass up peer-to-peer lenders and seek Christmas money loans elsewhere.


As a private lender, LoanNow does not share borrower information with third parties.  We look beyond FICO scores to approve many borrowers turned down by banks and other lenders. LoanNow applications are processed within minutes, and approved borrowers receive funds as soon as the following business day. Find out for yourself why savvy borrowers make LoanNow their go-to source for Christmas money loans!

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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.