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The 5 Best Christmas Loans For Bad Credit

best christmas loans for bad credit

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Have you decided that a personal loan is the best way to finance your holiday needs? If no, go ahead and weigh the options first. If yes, well, there might be one more hinderance- your bad credit record. How unfortunate can that be?

Well, it is pretty unfortunate. Good news though, Santa is willing to pay your wallet an early visit courtesy of lenders that offer Christmas loans for people with bad credit. Ho! Ho! Ho! Your Christmas is saved!

Since we are forever at your services, we have taken the issue of Christmas loans for bad credit quite seriously. We are not in the business of sitting around while our readers pass their Christmas in a gloomy mood because of money.  We have compiled a list of 5 lenders you can go to for a Christmas loan financing- for those with bad credit.

5 Best Christmas Loans For Bad Credit

1. Santa Loot

With a few minutes to spare on their online application form, you are in apposition to get your Christmas loan as soon as the next business day. Their application process is simple since the application form is the first thing you see once you visit their website.

Once you have submitted your details, your name and email address, you will either get approved for the loan or not. If approved, they connect you with a lender, who in turn provides you with a loan document. The document will have all the details such as the APR, the loan term, fees, and other necessary terms. Be sure to go through the document to avoid surprises.

Regardless of your credit score, you still stand a chance of getting approved for a loan. The maximum amount you can get is $2,500.

2. 247 Christmas Loans

If you are short in your Christmas budget and need some extra funding or you simply do not have money saved for the holidays, then 247 Christmas Loans is at your service. From as low as $100 to a maximum of $35,000, you can finance your Christmas expenses with no worries.

All you need to do is spare a few minutes of your time, fill in your details and they will connect you with a suitable lender from their networks. Some of the details include the range within which you want to borrow e.g. $500 – $35,000.

The APR will vary depending on the lender as well as your credit score. While we are on credit scores, they provide loans to individuals with any credit score. Your credit score will, of course, be part of factors that determine your APR. The APR of 247 Christmas Loans lenders ranges between 5.99% and 35.99%.

The payment frequency is once or twice a month, and you can get a repayment period of 60 days – 72 months. Again, be sure to confirm these details of the lender you get because these details vary.

3. Holiday Loans USA

With their large network of lenders, Holiday Loans USA are at your service around the clock. The first step is, of course, filling in your details. They are quick by the way, and in 90 seconds or so, you will know whether you qualify for a loan or not. Hopefully, we hope that you do.

If you are lucky and qualify for a loan, they will connect you with one of their lending partners. The next step is finalizing on the loan agreement and there you have it- your holiday loan cash in your account as soon as the next business day.

What do they offer? For starters, your credit score should not worry you much since they connect individuals with any credit score ratings. The loan amounts range from $100 – $35,000. The APR you get will depend on the lender and the product.

They have a few requirements, though, which include but not limited to:

  • A minimum regular monthly income of $800.
  • A US citizen age aged 18 years and above.
  • A valid direct deposit checking or savings account.

4. Christmas Cash Fast

If you have 2 minutes or less to spare on your laptop, tablet or a mobile, then you are 2 minutes away from getting your Christmas loan cash.

Christmas Cash Fast offers loans from $500 to $35,000. The good news is that this loan limit applies to all credit scores. If you are suffering from the bug of bad credit, here is your chance to borrow some money for the holidays.

Their process is pretty simple, actually. All you need to do is follow this link, fill out your details and you are good to know. First, you pick the range that is ideal for you- they have quite a number of ranges- your names, zip code, and email. Then leave the rest to them. They will search from their network of lenders and connect you with one that suits you best.

What is even better is that the money can be wired to your account within a business day! And no checks, either, so you do not have to sit around and wait for a check to clear!

The APR ranges from 5.99% – 35.99%. however, once you are connected with a lender, go through the loan document carefully before appending your signature. That way, you will be sure of the APR, repayment period as well as the frequency you get.

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5. Happy Loans

Well, they really are living up to their name, thanks to that happy emoji on their site. Does it make you happy to know your Christmas period will not be about pitying yourself for lack of money? If that is the feeling you are looking for, even with your bad credit, Happy Loans is here to save the day!

With them, you can get a personal loan of between $100 – $2,500 in a few. First, there is a cursor you will have to drag on their website to choose the amount you want to borrow. Pretty cool, right? Then, fill out your details- name, the year you were born, zip code and last 4 of SSN#. The rest will be up to them i.e. connecting you with a suitable lender, that is if you are approved for the loan.

The lender will provide you with the rest of the details such as the APR and repayment period among others. All you have to do now is sit back and wait for the funds to hot your account.  The waiting period is not long since some borrowers get the funds on the next business day.

The terms of the loan will depend on the lender and your credit score. However, any credit score is welcome. You also need to be a resident of the USA, 18 years old and above, and that your state allows the loan you are applying for.


Qualifying for a personal loan regardless of your credit score does not mean you have to default or delay on your repayments. In case your cash flow is not clear in the next few months or so, there is no need of getting a huge amount of loan. Once you have the loan, you will have to keep up with the repayments. Unless, of course, you want your credit score to get worse than it already is.

So, go ahead. Shop for the best personal loan from our Christmas loans from bad credit lenders and have yourself a Merry, Merry Christmas!


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