Christmas time is a wonderful time to enjoy with family and friends…  But it can also be a stressful time when you’re short on cash and you need to buy gifts for your kids or family.  I’ve been there, and it’s the pits!  If you need money for Christmas, here’s two easy ways to get Christmas loans fast and bring smiles to your loved ones’ faces…

Tip #1 – Tap Into Your 401(k) for a Christmas Loan

If you have a 401(k), you may be able to borrow from it to get money for Christmas.  You can usually repay 401(k) loans via automatic paycheck deductions at a low interest rate, spread out over several months.  And, because you’re borrowing from your 401(k), the interest you pay back goes 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 will be considered a withdrawal, and you’ll have to pay income taxes on the amount you borrowed, plus a 10% penalty, come tax time.

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 agree 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 and PayDay One for Christmas loans and other short-term loans.

Here’s why they’re my top picks….

First Pick – Check City

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 to look for!), 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

Click here to visit Check City now…

Second Pick – PayDay One

 

If you need a Christmas loan for not-so-perfect or bad credit, PayDay One’s rates are the lowest in the industry.  In fact, they guarantee if you find a lower rate from another state-licensed payday lender, they’ll match it.  And, when you use promo code PayDay 25 today, you’ll save an extra 25% off their already-low rates.

They offer fast approvals, and can wire funds to your bank account as quick as tomorrow morning.  Their online application process is fast, secure and easy.

I’ve used them before and paid $56.25 in fees (using the promo code above) for a 30-day $500 loan.  If your state laws allow loan roll-overs, you can pay just the interest and “roll-over” your loan until you can pay it in-full.

States serviced: California, Delaware, Hawaii, Idaho, Illinois, Kansas, Louisiana, Maine, Mississippi, Missouri, Montana, Nevada, Ohio, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Wisconsin and Wyoming.

Click here to visit PayDay One now…



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