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What are Holiday Loans?

Holiday loans are simple short-term personal loans commonly used to cover holiday expenses like Christmas gifts, holiday dinner ingredients, or other needs during this joyous time of year. These types of loans can help you cover holiday expenses, you can relax and enjoy the special time of the year with your family and friends.

Holiday Loans

Consumer Data on Holiday Spending in 2021

Roku and Harris conducted a holiday spending poll in 2021. Their report stated that American consumers expect to spend a record $937 each on holiday purchases – a 5% increase over the previous year. Over 70% of consumers expressed confidence in economic growth in the coming months. More than a third of these consumers expect to spend more in 2021 for the holidays. Almost 40% of online shoppers expect to spend more in the upcoming season. This continues the trend for even greater online shopping in 2021 than in previous years as more consumers switch to online shopping.

Why do people get holiday loans?

There are many reasons someone may want a holiday loan. The most common is to buy gifts for family members. But it could also be to buy the food for the holiday dinner, for decorations that are needed, and any other holiday-related expense. It may even be to make a trip for a family dinner or reunion and celebrate the holidays together.

Whatever the reason, a holiday loan can be used in any way you choose.

Why might a payday loan be your best option during the holidays?

Below are just some of the benefits of choosing payday loans during the holiday compared to traditional loans.

  • Short and secure application form
  • Instant decision on the loan application (instant = 90 seconds or less)
  • No hard credit check performed
  • Connected instantly with the direct lender if approved
  • Quick funding within one business day
  • Accept applications of users having poor credit
  • No collateral needed
  • No upfront fees and no service fees for referral businesses
  • Apply for holiday loans online 24/7 and 365 from your smartphone or PC
  • Funds can be used for any purpose

Some requirements to get payday loans:

Payday loans do have fewer requirements than traditional loans and are funded very fast as well. Here are the basic criteria you should be aware of:

  • Be a U.S. citizen or legal resident with a current ID
  • Have an open checking account
  • Have a cell phone number (landline is also ok) and email
  • Have a current income of around $1,200 a month or more
  • Complete a loan request form completely and honestly.

How to apply for holiday loans online and have no hard credit checks?

Direct payday loan lenders do not typically perform any hard credit checks. They know that your current income is the best indicator of your ability to repay your loan. That is why they utilize data services companies that do not report to the credit bureaus. Just complete and submit a loan request form, wait seconds for your answer, and if approved, you are connected directly to your lender to review the terms of your loan.

What is the cost of a holiday payday loan?

Holiday payday loan costs vary by state because they are governed by state laws. For almost all states, you will pay from $10-30 per $100 you borrow. So, a $300 loan could cost as little as $30 or as much as $90. Most states limit the length of these loans to either 1 month or 30 days. These are short-term loans that are expected to be paid back on the next paycheck or within a month from the date of the loan.

Why choose CashOne to apply for a holiday loan even with bad credit?

If you need a holiday payday loan with no hard credit check or are concerned about your bad credit, then you should consider using the CashOne referral services. Of course, you should consider all your options, and if you find no way to get emergency cash fast, go to CashOne and complete the short payday loan application form. You will get an answer in seconds and cash in 1 business day if approved.

CashOne has served more than 500,000 people over the past 15 years as a trusted partner. And our service costs you nothing! We are open 24/7 and 365 days a year.


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