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Small Christmas Loans

The holiday season is festive, with family get-togethers, decorations, lights, holiday parties and delicious food.  But celebrating the holidays can be expensive.  Even if you’re trying to economize, small Christmas loans can mean the difference between enjoying a special meal with family and friends and eating leftovers at home alone.   There are many sources for small Christmas loans, but many savvy borrowers turn to LoanNow.

Christmas LoansCredit Cards

If you’re fortunate enough to have sufficient available credit on your credit card, small Christmas loans can be as close as a trip to the nearest ATM.   But unless you need hard currency, using your card to make purchases makes more financial sense.  That’s because interest charges for purchases do not begin to accumulate until after a specified grace period, so that you could pay off your balance without incurring interest charges. Additionally, the APR for cash advances is invariably higher than for purchases.


For many borrowers, small Christmas loans from banks are not the best option – or even a viable option at all.  Banks typically impose strict underwriting criteria for unsecured loans.  Borrowers with less than excellent credit are often required to provide collateral, a creditworthy co-signer or both as a condition for being approved for a loan.   Nearly all borrowers, regardless of credit score, are required to wait while a bank processes loan applications, which can sometimes take weeks.

Online Loan Brokers

Online brokers provide small Christmas loans by acting as an intermediary between borrowers and select groups of lenders. Borrowers submit a preliminary application to the lender, which distributes their applications to a select group of lenders. The lenders then have the authority to make an offer to the borrower if they so choose.  Many borrowers receive multiple offers under this process, but some borrowers receive only a single offer, while others receive none.


For many borrowers seeking small Christmas loans, LoanNow is the right choice.  We process applications in minutes, not weeks – and approved borrowers receive funds as soon as the following business day. † LoanNow is also a direct lender, so we don’t share your personal or financial information with third parties.  We look beyond your FICO score to consider your entire financial profile – we approve many borrowers turned down by banks.  Don’t let financial Grinches spoil the holidays for you this year, Find out for yourself why a loan from LoanNow can keep your holidays shining brightly!

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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.