A Little Holiday Magic for Your Wallet
Get funded fast. 97% approval rate, zero hassle. The 97% approval rate depends on things like when you send your request, which lenders and offers are available, and whether it's your first request. Each request is reviewed on its own, and the figure drops if you've sent more than one request in the past 30 days. It isn't a promise of approval.
A Little More Merry. A Lot
Less Worry.
Holidays are busy enough. Send one short request online, and we'll handle the lender search for you.
Check My OptionsHow It Works
One short holiday loan request. You see what lenders in our network may offer, and you decide whether any of it is right for you.
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Submit your request
Answer a few questions on our secure form. It's free and takes about 2 minutes.
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Review lender offers
Lenders in our network consider a wide range of credit, from limited to excellent.
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Receive your funds
If approved, the lender sends the money to your bank. Timing depends on both.
Trusted with + 2 Million Requests
2M+ borrowers connected
- People connected with a lender every week
- 7K+
- Verified lenders competing for your business
- 300+
- Encryption protecting your information
- 256-bit
See Exactly What You'll Pay.
4.9 Excellent reviews
Before you accept an offer, compare the rate, the term, the fees and the total you'll repay. These four examples show how those numbers add up.
Check My Options-
$1,000 Loan
$99.29/mo
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$2,000 Loan
$105.86/mo
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$5,000 Loan
$140.84/mo
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$10,000 Loan
$212.90/mo
Representative examples. APR Ranges From 5.99% up to 35.99% For Qualified Customers. 91 Day Minimum up to 72 Month Maximum Repayment Period.
Holiday Bills Don't Wait. Get Funded Fast.
When holiday gifts and flights home hit in the same month, a little extra financial flexibility can go a long way. Submit one request and explore loan offers from hundreds of lenders in our network, with no obligation and no impact on your credit score.
Check My OptionsFAQs
What is a personal loan and what can I use it for?
A personal loan gives you a set amount of money that you pay back in fixed installments. Through our network you can request $500 to $35,000 for gifts, travel, a car repair or seasonal bills. Repayment terms run from 91 days to 72 months, depending on the lender and your credit profile.
Are there any fees?
Using LoansForChristmas is free. Lenders charge interest and may add fees such as an origination fee, and they have to show you the APR, the fees and the total cost before you sign. Read each offer closely and accept only terms that fit your budget.
What is the highest loan amount I can receive?
You can request up to $35,000. Not every lender offers that much, and the amount you're offered depends on your income, your credit history and the lender's own rules. An offer can come in higher or lower than the amount you asked for.
How do you protect my privacy and personal information?
Your information travels over a connection secured with 256-bit SSL encryption. We share it with lenders and partners in our network so they can review your request, and with the service providers that run this site. Our Privacy Policy explains what we collect, who receives it and how to opt out of the sale or sharing of your data.
What if I'm late or skip a payment?
Late or missed payments fall under your lender's terms. They can bring late fees, collection calls and a lower credit score. If you think you'll miss a due date, call your lender before it passes, because many lenders will talk through a new payment date with you.
How/when do I repay the loan?
Your lender sets the repayment schedule, and you see it before you accept. Most loans are repaid in fixed monthly installments, often taken automatically from your bank account. Some lenders let you pay early without a penalty, so check your loan agreement.