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Do You Need A Christmas Loan?

Do you need Christmas loan help?  There are a number of options, but beware. All Christmas loan options are not created equal.  If you need Christmas loan funds, but have less than perfect credit, LoanNow may represent the best possible option.

christmas loansBank Loans

Bank loans are a traditional source of Christmas loan assistance – at least for borrowers who have excellent credit and the foresight to apply early.  Borrowers with less than perfect credit or who need money immediately can find the process of applying for bank loans frustrating.  Borrowers with marginal credit are often required to provide collateral, a credit worthy co-signer, or both. And all borrowers, regardless of credit standing, must frequently wait weeks for a response.

Friends and Family

Friends and family members frequently provide financial assistance – but if you need Christmas loan help family and friends may not be the best source. That’s because many people are in the same boat, spending too much money or trying to avoid doing so.  In other words, although the people who know you best may care for you – in many cases you cannot count on them to provide financial assistance during the holidays.

Pawn Shops

If you need Christmas loan help, turning to a pawn shop can be downright depressing.  That’s because pawn shops require collateral in the form of your own personal possessions.  That diamond necklace you wanted to wear to the holiday party or that iPhone you just bought are just the type of merchandise pawn shop proprietors demand in exchange for their loans. Worse, pawn shop loans typically cover only about 25 percent of the value of the merchandise surrendered as collateral.  And borrowers who fail to repay their loans within a specified time lose their possessions for good.

Payday Loans

No matter how badly you need Christmas loan help, payday loans should be avoided at all cost. The initial convenience of receiving a payday loan is quickly eliminated when the loan becomes due. And because of the unrealistically short repayment periods for payday loans, that day could arrive as soon as 10 days after you receive your loan. Talk about the Grinch that stole Christmas – nobody needs that kind of holiday humbug.


If you need Christmas loan help but have bad credit – or you’ve waited until the last minute to start your shopping, don’t panic. LoanNow has your back. LoanNow processes loans within hours, and approved borrowers receive their funds by direct deposit as soon as the next business day. † Unlike pawn shops, LoanNow never requires collateral, and unlike payday lenders, we say NO to rollovers.  With LoanNow you can receive the cash you need to celebrate the holidays – without dampening your holiday spirit.

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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.

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.