Need extra cash to handle your holiday expenses? A Christmas loan may help!
When Do You Need Christmas Loans?
Not everyone has enough cash to handle their gift buying, unexpected holiday expenses or even a ticket to fly home or see family. You may have maxed your credit cards or not have any at all and really do not want to borrow from your friends and family. And, bank loans are out of the question except for a few people with higher incomes. Christmas loans can help you deal with all these situations. You can use the funds for any reason and without any restrictions.
Related article: Things You Should Know About Emergency Loans for Unemployed
How to Get Christmas Loans
There are no collateral requirements and no faxing for a Christmas payday loan. You just complete an application online and have it referred to a large number of lenders who have the cash to lend right now.
How to Qualify for Christmas Loans
- You should be 18 years old
- Should be a U.S. citizen
- Have a minimum monthly income of $1,200 to $1,600 (depending on where you live)
- Must have an active bank account
- Must have had a job for at least 3 months, but some lenders require 6 months.
Also read: Holiday Loans – Could One Be Right for You?
Our Christmas Loan Approval Process
If you qualify, your lender will call you directly and explain all the fees, due dates and other information about your Christmas loan. You can ask your lender anything about your loan, and you should be sure you understand all the terms and conditions of your loan. Even if you are approved for a Christmas payday loan, you are under no obligation to accept it. Loan funds are deposited directly into your bank account, usually within 1 business day.
What to Consider Before Getting Christmas Loans
Getting a Christmas payday loan is not something most people should do. The fees are high, and you must pay it back on your next pay date. Therefore, be sure you can do this before you consider this type of loan. We recommend you have a Christmas budget and if you need a loan, only get the amount you need.
Generally, bad credit will not prevent you from receiving a Christmas payday loan, but not everyone who applies is approved. At CashOne, our process is fast, easy and secure! Need a Christmas loan now? Click here to get started.