Tap to Call

Christmas Loans for Bad Credit - Apply Now!

Get $100 to $1000* in Your Checking Account

Over 500,000 Payday Loan Requests Processed Successfully

Security badge

Christmas Loans

Christmas can be a joyful time but also a stressful one for many people. You often need extra cash around the holidays to get presents for friends and family. There are loan options to consider, especially if you did not plan ahead or were unable to save enough for the purchases you need to make. Poor credit is not an obstacle to get a Christmas loan!

Christmas Loans

What are Christmas loans for bad credit?

A Christmas loan is a loan to cover holiday expenses. Christmas loans are like a form of personal loans. You borrow money to spend on your holiday needs. With the loan amount, you are free to spend the money on whatever you need.

Christmas loans are also known as Christmas payday loans when they meet these criteria:

  • The loan amount is less than $500 (for most states - some states allow up to $1,000).
  • Money is paid back on your next paycheck or within 30 days, depending on state laws and your lender.
  • Poor or bad credit does not disqualify you from applying for the loan.

What are the benefits of getting Christmas cash loans?

  • You get the funds you need to complete plans for the holidays.
  • Almost everyone qualifies for these loans. There are exceptions, but more than 80% of requests are fulfilled.
  • The process is very fast and convenient. The loan is short and easy, and very secure.
  • You can request the loan from your smartphone as long as you have a cell signal - you can apply from anywhere.
  • There are no guarantees, collateral, or upfront fees/deposits to obtain your loan.

These loans are unsecured loans!

How do Christmas payday loans work?

The borrowing process is as follows:

  • Complete your online payday loan application form, typically 2-5 minutes
  • Hit the 'submit' button
  • You wait 5-90 seconds for an answer if you are approved or not
  • If approved, you are connected directly to your lender
  • Plan to spend 10-15 minutes on the phone with your lender so they can explain the terms and conditions of your loan. You are not obligated to accept a loan offer if you are not comfortable with the terms of the loan.

What do you need to qualify for a payday loan?

Qualifying for Christmas payday loans with no credit check is simple.

  • You must be 18 years of age and a legal resident or US citizen
  • You must have a monthly income (from all sources) of at least $1,000
  • You must have an active bank account
  • You must have a verifiable phone number and email address
  • You must have a residence in the state you apply in

Why choose CashOne for Christmas loans?

CashOne has been working with Americans coast-to-coast for more than 15 years. Here are a few of the reasons to consider CashOne:

  • 2-3 minute application form (available 24/7 and 365 days a year)
  • No faxing required
  • Fast & secure process
  • Bad credit is not the most important factor
  • Funds are deposited directly into your bank account
  • No hard credit checks
  • No collateral required
  • All fees are disclosed at the time of the loan
  • Licensed direct lenders
  • Trusted payday loan source for 15 years

Christmas Loan FAQs

When should I apply for a loan for Christmas?

It is best to request your loan in enough time (a few days or a week) to get the money and have it for your planned expenses. Waiting until the last minute is never a good idea. Remember that banks are closed on holidays and weekends, so your lender cannot get funds to you on those days.

How much money can I borrow with a Christmas loan?

There are two primary types of holiday loans. Payday loans are generally for $1,000 or less, and people with bad credit scores can apply, and installment loans are for more than $1,000. Of course, traditional loans from banks can be for large amounts, e.g., a home equity loan but they are not generally used for holiday expenses or purchases. They also require higher credit scores, often 700 or higher, and traditional lenders always check your credit.

How do I pay back my Christmas loan?

If you get a payday loan, it is paid back on your next paycheck or within 30 days in almost all cases. This is determined by state laws where you live. For an installment loan, the payback period is at least 6 months and often 1 year in length. Traditional loans can extend for years.

Can I get a Christmas cash loan online even if I have bad credit?

Christmas loans for bad credit are quite common. In fact, over half of all approved payday loans are for people with poor or bad credit. If you have recently defaulted on a payday loan, it is likely your loan request will be rejected. And direct lenders generally do not do hard credit checks when reviewing loan requests. This is because the number one thing lenders look for is your current income level. It is the best indicator of your ability to repay your loan.


scroll up