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Holiday Loans: What Are and the Alternatives
Advertiser disclosure You're our first priority. Every time. We believe that everyone should be able to make sound financial decisions with confidence. Although our site does not include every company or financial product on the market, we're proud that the guidance we offer as well as the advice we provide and the tools we create are objective, independent easy to use and free. So how do we earn money? Our partners pay us. This can influence the products we review and write about (and the places they are featured on the website) however it does not affect our suggestions or recommendations that are based on hundreds of hours of research. Our partners cannot be paid to ensure positive ratings of their goods or services. .
The Holiday Credit: What Are and the Alternatives
A holiday loan can be a great way to pay for expenses during the holiday season However, you must compare the alternatives to finance to determine the lowest-cost option.
,
Updated on November 9, 2022
Many or all of the items featured on this page are from our partners who compensate us. This impacts the types of products we write about as well as the place and way the product is displayed on the page. However, this doesn't influence our evaluations. Our opinions are our own. Here is a list of and .
Table of Contents
Table of Contents
As the holidays approach and the holidays are near, you might be anxious about how you'll pay for gifts or other expenses associated with the season. Holiday loans can help cover the cost of these purchases However, you could also have more affordable options.
Find out more about holiday loans and compare alternatives before you decide to borrow.
What exactly is a holiday loan?
A holiday loan is an unsecure loan that is able to pay for cash shortfalls and holiday expenses, including gifts, trips or even parties. These loans are from $1,000 to $100,000, and come with annual percentage rates ranging from 36% to 6 percent. They can get you cash fast, toocertain lenders can fund the loan within the same day you submit your application.
However, since they generally have terms ranging from one to 7 years in length, it's possible that you might have to cover this year's costs when the holidays roll around next year, and possibly the year after.
Where can I get the holiday loan?
Banks
Bank loans are often low-cost and benefits for customers who are already clients, and many offer online applications. People with good credit scores are the most likely to qualify for the highest rates offered by banks.
Personal loan from a financial institution can be beneficial if you have excellent or good credit (a score at least 690) and are already a current account holder. The bank offers loans to non-customers but also offers benefits for customers with accounts. offers a relationship discount to customers with qualifying checking accounts.
Some banks do not provide personal loans however some banks may require you to make an application in person.
Credit unions
Credit union loans generally have low initial amounts, with rates as low as or below 27 percent. Borrowers with fair or bad credit (scores below 690) might find rates that are attractive in comparison to other lenders because credit unions are able to take into consideration other factors than the credit score. However, only credit union members are eligible to apply.
To become a member to join, you must fulfill the criteria of the credit union. You also must typically pay the one-time membership cost.
Online lenders
Online lenders offer holiday loans for people who have all kinds of credit scores. They generally can fund a loan within one or two days following you apply. The loans offered by online lenders can have APRs of up to 36% and repayment terms of typically between two and seven years. The rate you can qualify for will depend on your credit score, credit history, and cash flow.
Individual loan rates from online lenders like and start as low as 8%, but you need good to excellent credit to qualify for the lowest rates.
Creditors with fair or poor credit will be able to expect rates on the upper end of a lender's range, resulting in high cost of interest. For example an $1,000 loan payable in two years at 20% APR will cost about $222 in interest.
If you do get a loan, pre-qualify with multiple lenders to find the best rate, and then create a plan to .
Individual loans from our partners
Quick Cash Small Personal Loan Credit Card Credit Loan
on SoFi
SoFi
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on aspects we consider to be beneficial to consumers, including impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are compiled through our team of editors. The scoring formula is based on aspects we consider to be a good choice for consumers, such as the impact on credit scores, rates and fees, customer service and responsible lending practices.
4.0 NerdWallet's ratings are determined through our team of editors. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, including the impact on credit score rates and fees, customer experience and ethical lending practices.
APR 18.0-35.99 percent
Amount of loan $1,500-$20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers factors we consider to be a good choice for consumers, such as the impact on credit scores rates and fees, customer service and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 6.5-35.99 percent
Loan amount $1,000 - $50,000
on Upstart
on Avant
Avant
4.0 NerdWallet's ratings are compiled by the editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and responsible lending practices.
4.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on factors we consider to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 9.95-35.95%
The amount of the loan is $2,000 to $35,000.
on Avant
on LendingPoint
LendingPoint
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers the factors we believe to be beneficial to consumers, including the impact on credit score rate and fees, the customer experience and ethical lending practices.
APR 7.99-35.99%
Loan amount $2,000 - $36,500
on LendingPoint
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including the impact on credit score, rates and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to consumers, such as the impact on credit score rate and fees, customer service and responsible lending practices.
APR 7.74-17.99%
The loan amount is $600-$50,000.
on PenFed Credit Union
on LendingClub
LendingClub
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score rates and fees, customer experience and ethical lending practices.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
On Upgrading
Upgrade
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit scores rate and fees, the customer experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
On Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact to credit score, fees and rates customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers aspects we consider to be beneficial to consumers, including impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score rate and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are compiled by the editorial staff. The scoring formula is based on factors we consider to be consumer-friendly, including the impact on credit scores fees and rates customers' experience, and ethical lending practices.
4.0 NerdWallet's rating is determined by the editorial staff. The scoring formula is based on aspects we consider to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 18.0-35.99%
The loan amount is $1,500 to $20,000
on OneMain Financial
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees customers' experience, and ethical lending practices.
4.0 NerdWallet's rating is determined by the editorial staff. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 18.0-35.99%
Amount of loan $1,500-$20,000
on OneMain Financial
on the Upgrade
Upgrade
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit score rates and fees, customer service and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
on the Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers aspects we believe are beneficial to the consumer, including the impact on credit score, fees and rates customers' experience, and responsible lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
on Avant
Avant
4.0 NerdWallet's ratings are determined through our team of editors. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including the impact on credit scores rates and fees, the customer experience and responsible lending practices.
4.0 NerdWallet's rating is determined by the editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
APR 9.95-35.95 Percent
Loan amount $2,000 - $35,000
on Avant
on LendingPoint
LendingPoint
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers aspects we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit scores fees and rates, customer experience and ethical lending practices.
APR 7.99-35.99%
Loan amount $2,000 - $36,500
on LendingPoint
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 11.69-35.93%
Amount of loan: $1,000 - $50,000
on Universal Credit
Other holiday financing options
There are other ways to help cover expenses during the holiday season.
Buy nowand pay later
As you shop on the internet or in shops this holiday season You may be offered the possibility of purchasing an item now and pay in installments, known as " ." BNPL companies offer rates that range from 0% to 30%, and provide terms of repayment ranging from 6 weeks up to 2 years.
The price you pay will depend on your credit, and you could be required to pay charges in the event of a missed payment. Buy nowand pay later is designed for purchases that are smaller in size. Large purchases may require the payment of a down.
Buy nowand pay later financing is easy, particularly when it's an easy check-out option in online shops However, it could result in overspending.
>> MORE:
Credit card with 0% APR
If you have good or good credit, you could qualify for an . If you pay back the balance within the card's introductory period usually between 15 to 21 months, no charges for interest are incurred.
A 0% credit card will be less expensive in the short term however, if you carry more than the promotional period, you'll need the expense of paying interest for that amount going forward. If you don't make an installment or make a late payment in making a payment within the promotional period, the credit card issuer can end your low-interest rate, leaving you paying interest on the balance.
If you're planning to make a large purchase to celebrate the holidays and require time to pay for it and pay it off, a credit card that has long initial period of 0% APR is the best option.
>> MORE:
Loan applications
Loan apps can seem like the best option for those with poor credit histories or only a few credit scores because they usually don't need a credit verification. Apps like these can give you an unspecified amount of cash from your paycheck, without interest or fees that could be used to pay for last-minute gifts. But most apps ask for an optional tip, which is like the addition of interest to the interest-free loan.
The loan apps can provide advances of between $5 and $500. They also set up automatic repayments for your next payday through an account in your banking. They can also deposit money immediately with a small fee and can be very useful in a pinch, but it's recommended not to use them regularly.
Between fees and the optional tip, borrowing even $100 could earn you an APR of over 100% on an advance, so it is best to look at cheaper options , if it's possible.
>> MORE:
Compare the various financing options for your holiday
Option
Cost
Repayment terms
Pros and pros and
Personal loan
From 6% up to 36.
Most often, 1-7 years.
Pro: Fast financing.
Con: APRs can be high for poor-credit borrowers.
Pay now, buy later
Up to 30% APR.
Vary from 6 weeks to 2 years.
Pro: Some plans offer interest-free.
Cons: Possibility of late fees and overspending.
0% APR credit card
16 percent to 28% following the introductory period.
15to 21 month promotional period to be free of the cost of interest.
Pro: 0% interest during promotional period.
Con: Typically available only to high- or excellent-credit borrowers.
Apps for loans
In most cases, up to $10 in fees and the option of a tip.
The next payday.
Pro: Receive funds instantly or same-day.
Con: Likely charges a fee for instant access.
Credit union loans
6% to 2.7% annual percentage rate.
Typically 1 to 7 years.
Pro Flexibility in terms of rates and flexible conditions.
Con: You must be a member.
Beware of payday loans disguised as 'Christmas loans'
An online search for "Christmas loans" could return websites offering you fast cash. However, the majority of Christmas loans are disguised as festive. These lenders usually don't verify your credit, but they promise to pay you within 24 hours.
The catch? The interest rate could be in the triple-digits. For example, a 500-dollar loan due within two weeks and costing $15 for each $100 borrowed will result in the APR at 390%, typically for payday loans.
You'll have to pay back all of the loan, plus interest, over a period of weeks or months. It could also be necessary to allow the lender access your bank account to collect payments, leaving you vulnerable to costly overdraft fees in the event that you do not have funds in your account.
If you can, stay clear of the use of Christmas payday loans to pay for Christmas expenses.
Start planning your budget for next year
There's no need to take out a loan to cover your holiday expenses. Begin planning for the year ahead and create a budget (we recommend the ) to make the most out of your earnings. At least 20% savings every single payday can provide the money you need to purchase the ultimate gift: a debt-free holiday.
Authors' Bios Chanell Alexander is a former personal loans writer for NerdWallet.
Ronita Choudhuri-Wade covers individual loans in NerdWallet.
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Advertiser disclosure You're our first priority. Every time. We believe that everyone should be able to make sound financial decisions with confidence. Although our site does not include every company or financial product on the market, we're proud that the guidance we offer as well as the advice we provide and the tools we create are objective, independent easy to use and free. So how do we earn money? Our partners pay us. This can influence the products we review and write about (and the places they are featured on the website) however it does not affect our suggestions or recommendations that are based on hundreds of hours of research. Our partners cannot be paid to ensure positive ratings of their goods or services. .
The Holiday Credit: What Are and the Alternatives
A holiday loan can be a great way to pay for expenses during the holiday season However, you must compare the alternatives to finance to determine the lowest-cost option.
,
Updated on November 9, 2022
Many or all of the items featured on this page are from our partners who compensate us. This impacts the types of products we write about as well as the place and way the product is displayed on the page. However, this doesn't influence our evaluations. Our opinions are our own. Here is a list of and .
Table of Contents
Table of Contents
As the holidays approach and the holidays are near, you might be anxious about how you'll pay for gifts or other expenses associated with the season. Holiday loans can help cover the cost of these purchases However, you could also have more affordable options.
Find out more about holiday loans and compare alternatives before you decide to borrow.
What exactly is a holiday loan?
A holiday loan is an unsecure loan that is able to pay for cash shortfalls and holiday expenses, including gifts, trips or even parties. These loans are from $1,000 to $100,000, and come with annual percentage rates ranging from 36% to 6 percent. They can get you cash fast, toocertain lenders can fund the loan within the same day you submit your application.
However, since they generally have terms ranging from one to 7 years in length, it's possible that you might have to cover this year's costs when the holidays roll around next year, and possibly the year after.
Where can I get the holiday loan?
Banks
Bank loans are often low-cost and benefits for customers who are already clients, and many offer online applications. People with good credit scores are the most likely to qualify for the highest rates offered by banks.
Personal loan from a financial institution can be beneficial if you have excellent or good credit (a score at least 690) and are already a current account holder. The bank offers loans to non-customers but also offers benefits for customers with accounts. offers a relationship discount to customers with qualifying checking accounts.
Some banks do not provide personal loans however some banks may require you to make an application in person.
Credit unions
Credit union loans generally have low initial amounts, with rates as low as or below 27 percent. Borrowers with fair or bad credit (scores below 690) might find rates that are attractive in comparison to other lenders because credit unions are able to take into consideration other factors than the credit score. However, only credit union members are eligible to apply.
To become a member to join, you must fulfill the criteria of the credit union. You also must typically pay the one-time membership cost.
Online lenders
Online lenders offer holiday loans for people who have all kinds of credit scores. They generally can fund a loan within one or two days following you apply. The loans offered by online lenders can have APRs of up to 36% and repayment terms of typically between two and seven years. The rate you can qualify for will depend on your credit score, credit history, and cash flow.
Individual loan rates from online lenders like and start as low as 8%, but you need good to excellent credit to qualify for the lowest rates.
Creditors with fair or poor credit will be able to expect rates on the upper end of a lender's range, resulting in high cost of interest. For example an $1,000 loan payable in two years at 20% APR will cost about $222 in interest.
If you do get a loan, pre-qualify with multiple lenders to find the best rate, and then create a plan to .
Individual loans from our partners
Quick Cash Small Personal Loan Credit Card Credit Loan
on SoFi
SoFi
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on aspects we consider to be beneficial to consumers, including impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are compiled through our team of editors. The scoring formula is based on aspects we consider to be a good choice for consumers, such as the impact on credit scores, rates and fees, customer service and responsible lending practices.
4.0 NerdWallet's ratings are determined through our team of editors. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, including the impact on credit score rates and fees, customer experience and ethical lending practices.
APR 18.0-35.99 percent
Amount of loan $1,500-$20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers factors we consider to be a good choice for consumers, such as the impact on credit scores rates and fees, customer service and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 6.5-35.99 percent
Loan amount $1,000 - $50,000
on Upstart
on Avant
Avant
4.0 NerdWallet's ratings are compiled by the editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and responsible lending practices.
4.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on factors we consider to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 9.95-35.95%
The amount of the loan is $2,000 to $35,000.
on Avant
on LendingPoint
LendingPoint
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers the factors we believe to be beneficial to consumers, including the impact on credit score rate and fees, the customer experience and ethical lending practices.
APR 7.99-35.99%
Loan amount $2,000 - $36,500
on LendingPoint
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including the impact on credit score, rates and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to consumers, such as the impact on credit score rate and fees, customer service and responsible lending practices.
APR 7.74-17.99%
The loan amount is $600-$50,000.
on PenFed Credit Union
on LendingClub
LendingClub
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score rates and fees, customer experience and ethical lending practices.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
On Upgrading
Upgrade
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit scores rate and fees, the customer experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
On Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact to credit score, fees and rates customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers aspects we consider to be beneficial to consumers, including impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score rate and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are compiled by the editorial staff. The scoring formula is based on factors we consider to be consumer-friendly, including the impact on credit scores fees and rates customers' experience, and ethical lending practices.
4.0 NerdWallet's rating is determined by the editorial staff. The scoring formula is based on aspects we consider to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 18.0-35.99%
The loan amount is $1,500 to $20,000
on OneMain Financial
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees customers' experience, and ethical lending practices.
4.0 NerdWallet's rating is determined by the editorial staff. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 18.0-35.99%
Amount of loan $1,500-$20,000
on OneMain Financial
on the Upgrade
Upgrade
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit score rates and fees, customer service and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
on the Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers aspects we believe are beneficial to the consumer, including the impact on credit score, fees and rates customers' experience, and responsible lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
on Avant
Avant
4.0 NerdWallet's ratings are determined through our team of editors. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including the impact on credit scores rates and fees, the customer experience and responsible lending practices.
4.0 NerdWallet's rating is determined by the editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
APR 9.95-35.95 Percent
Loan amount $2,000 - $35,000
on Avant
on LendingPoint
LendingPoint
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers aspects we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit scores fees and rates, customer experience and ethical lending practices.
APR 7.99-35.99%
Loan amount $2,000 - $36,500
on LendingPoint
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 11.69-35.93%
Amount of loan: $1,000 - $50,000
on Universal Credit
Other holiday financing options
There are other ways to help cover expenses during the holiday season.
Buy nowand pay later
As you shop on the internet or in shops this holiday season You may be offered the possibility of purchasing an item now and pay in installments, known as " ." BNPL companies offer rates that range from 0% to 30%, and provide terms of repayment ranging from 6 weeks up to 2 years.
The price you pay will depend on your credit, and you could be required to pay charges in the event of a missed payment. Buy nowand pay later is designed for purchases that are smaller in size. Large purchases may require the payment of a down.
Buy nowand pay later financing is easy, particularly when it's an easy check-out option in online shops However, it could result in overspending.
>> MORE:
Credit card with 0% APR
If you have good or good credit, you could qualify for an . If you pay back the balance within the card's introductory period usually between 15 to 21 months, no charges for interest are incurred.
A 0% credit card will be less expensive in the short term however, if you carry more than the promotional period, you'll need the expense of paying interest for that amount going forward. If you don't make an installment or make a late payment in making a payment within the promotional period, the credit card issuer can end your low-interest rate, leaving you paying interest on the balance.
If you're planning to make a large purchase to celebrate the holidays and require time to pay for it and pay it off, a credit card that has long initial period of 0% APR is the best option.
>> MORE:
Loan applications
Loan apps can seem like the best option for those with poor credit histories or only a few credit scores because they usually don't need a credit verification. Apps like these can give you an unspecified amount of cash from your paycheck, without interest or fees that could be used to pay for last-minute gifts. But most apps ask for an optional tip, which is like the addition of interest to the interest-free loan.
The loan apps can provide advances of between $5 and $500. They also set up automatic repayments for your next payday through an account in your banking. They can also deposit money immediately with a small fee and can be very useful in a pinch, but it's recommended not to use them regularly.
Between fees and the optional tip, borrowing even $100 could earn you an APR of over 100% on an advance, so it is best to look at cheaper options , if it's possible.
>> MORE:
Compare the various financing options for your holiday
Option
Cost
Repayment terms
Pros and pros and
Personal loan
From 6% up to 36.
Most often, 1-7 years.
Pro: Fast financing.
Con: APRs can be high for poor-credit borrowers.
Pay now, buy later
Up to 30% APR.
Vary from 6 weeks to 2 years.
Pro: Some plans offer interest-free.
Cons: Possibility of late fees and overspending.
0% APR credit card
16 percent to 28% following the introductory period.
15to 21 month promotional period to be free of the cost of interest.
Pro: 0% interest during promotional period.
Con: Typically available only to high- or excellent-credit borrowers.
Apps for loans
In most cases, up to $10 in fees and the option of a tip.
The next payday.
Pro: Receive funds instantly or same-day.
Con: Likely charges a fee for instant access.
Credit union loans
6% to 2.7% annual percentage rate.
Typically 1 to 7 years.
Pro Flexibility in terms of rates and flexible conditions.
Con: You must be a member.
Beware of payday loans disguised as 'Christmas loans'
An online search for "Christmas loans" could return websites offering you fast cash. However, the majority of Christmas loans are disguised as festive. These lenders usually don't verify your credit, but they promise to pay you within 24 hours.
The catch? The interest rate could be in the triple-digits. For example, a 500-dollar loan due within two weeks and costing $15 for each $100 borrowed will result in the APR at 390%, typically for payday loans.
You'll have to pay back all of the loan, plus interest, over a period of weeks or months. It could also be necessary to allow the lender access your bank account to collect payments, leaving you vulnerable to costly overdraft fees in the event that you do not have funds in your account.
If you can, stay clear of the use of Christmas payday loans to pay for Christmas expenses.
Start planning your budget for next year
There's no need to take out a loan to cover your holiday expenses. Begin planning for the year ahead and create a budget (we recommend the ) to make the most out of your earnings. At least 20% savings every single payday can provide the money you need to purchase the ultimate gift: a debt-free holiday.
Authors' Bios Chanell Alexander is a former personal loans writer for NerdWallet.
Ronita Choudhuri-Wade covers individual loans in NerdWallet.
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