Need Christmas Loans? Here’s 3 Ways to Get Money for Christmas…
Christmas is a wonderful time to enjoy with loved ones… But it can also be stressful when you’re short on cash and you need to buy gifts. I’ve been there, and it’s the pits!
If you need money for Christmas, here’s some ways to get Christmas loans fast…
Tip #1 – Tap Into Your 401(k) for a Christmas Loan
If you have a 401(k), you could borrow from it to get money for Christmas. You can repay it via automatic paycheck deductions at a lower interest rate (usually 1 to 3%), over several months. Plus - the interest you pay goes back into your 401(k).
The downside is if you lose your job, your employer may require you to pay back your 401(k) loan immediately. Plus, if you don’t (or can’t) pay it back, it’s considered a withdrawal, and you’ll pay income taxes on the amount you borrowed, plus a 10% penalty.
In addition, it usually takes 1-2 weeks to process a 401(k) loan request. If you’re in a pinch and need cash fast, you may want to consider another option.
Tip #2 – Get a Christmas Loan from a Trustworthy Company
There’s a lot of companies that advertise loans for Christmas (even if you have bad credit), but they’re not all the same. For example, many “check into cash” shops only offer 14-day loans – and they’ll charge you sky-high fees to boot!
If you just need $200-$1,000 to get through the holidays, don’t you think your loan should come with a little breathing room?
I’ve used several loan shops and loan websites over the years, and without reservation, I recommend CheckCity for Christmas loans and other short-term loans.
Check City – Apply Online, Get Cash Tomorrow
You can get Christmas loans online (most U.S. states) or by visiting one of Check City’s stores stores in Colorado, Nevada, Maryland, Virginia or Utah. They’re a rock-solid company with a perfect A+ Better Business Bureau Rating that’s been around since 1989.
The first thing you’ll notice when you visit their website is how they deal with you honestly and squarely. For example, you don’t have to hunt around to find their Christmas loan rates and know what to expect when you apply. They tell you everything upfront, so you can feel confident getting fast cash from them.
They’re a state-licensed lender (this is very important), which means their loan rates are within legal limits (many online lenders charge illegal rates!)
Their loan fees and terms vary from state-to-state – and you can find out their rates in your state with just one click. For example, in Colorado you can get a 186-day installment loan, paying just $132.30/mo to borrow $500. In Illinois, you’ll pay just $15.50 per $100 for a 30-day Christmas loan.
In addition, their website and secure online loan application are certified by McAfee and digicert (two leading security companies), which means you can feel confident your personal information is kept safe and secure.
Where Check City really stands out is their first-class customer service. Unlike many payday loan sites which force you to use their contact forms, and then they get back to you days later, you get instant customer service with Check City. You can chat online with a live agent or call their toll-free number.
Most first-time customers qualify for $250-$1,000, and you’ll get an instant loan decision when you apply.
You can apply for a Christmas loan now, find out if you’re approved in seconds and see money in your bank account as soon as tomorrow (for loans approved by 7PM MST).
States serviced: Alabama, Alaska, California, Colorado, Connecticut, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin, Wyoming