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The Holiday Credit: What are and what alternatives
Advertiser disclosure You're our first priority. Every time. We believe that every person should be able make financial decisions without hesitation. And while our site does not feature every business or financial product available on the market however, we're confident that the guidance we offer as well as the advice we provide as well as the tools we design are objective, independent easy to use and free. So how do we make money? Our partners compensate us. This can influence the products we review and write about (and where those products appear on the website) However, it does not affect our recommendations or advice, which are grounded in hundreds of hours of study. Our partners do not pay us to guarantee favorable review of their services or products. .
Christmas Loans: What They Are and Alternatives
A holiday loan is one way to pay for costs this time of year However, you must compare the different financing options to choose the lowest-cost option.
,
The last update was on Nov 9 2022.
A majority of the products we feature are from our partners who compensate us. This impacts the types of products we review and the location and manner in which the product is displayed on a page. However, this doesn't affect our opinions. Our views are our own. Here's a list and .
Table of Contents
Table of Contents
With the holidays approaching and the holidays are near, you might be anxious about how you'll pay for gifts and other expenses associated with the season. The holiday loans could help with those expenses, but you may have more affordable options.
Learn about holiday loans and look at alternatives before you borrow.
What is a holiday loan?
A holiday loan is an unsecured that is able to pay for cash shortfalls and holiday expenses, such as trips, gifts or even parties. These loans are from $1,000 to $100,000, and come with annual percentage rates that range from 36% to 6%. They can get you cash quickly, too -- some lenders are able to fund a loan within the same day you apply.
But because they typically have terms between one and 7 years in length, it's possible that you might have to cover the season's expenses when the holidays roll around next year, and perhaps the year after.
How can I obtain a holiday loan?
Banks
Bank loans offer low rates and perks for existing customers, and many offer online applications. Creditworthy customers are more likely to get the highest rates offered by banks.
Personal loan from a bank could be a good idea for those with excellent or good credit (a score of 690 or higher) and are an existing account holder. Offers loans to non-customers, but also offers benefits for customers with accounts. Offers a discount for relationship customers who have qualifying checking accounts.
There aren't many banks that provide personal loans, and some might 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%. Borrowers with fair or bad credit (scores below 690) could find attractive rates in comparison to other lenders as credit unions can look at other factors that are not reflected in a credit score. However only members of credit unions can apply.
To join, you must meet the credit union's requirements and typically pay a one-time membership fee.
Online lender
Online lenders offer holiday loans for people who have all kinds of credit scores, and they can typically fund the loan within one or two days following you apply. Online lenders offer loans with APRs up to 36 percent and repayment terms of typically two to seven years. The rate you qualify for will depend on your credit score, credit history, and the flow of cash.
The personal loan rates from lenders online like and start at around 8percent, however you must have excellent to good credit to be eligible for the most affordable rates.
People with good or poor credit are likely to pay rates that are at the top of the range offered by lenders which can result in higher cost of interest. For instance, a $1,000 loan to be paid in 2 years with an interest rate of 20 percent will cost approximately 222 dollars of interest.
Still, if you get a loan and you are eligible, make sure to pre-qualify with several lenders to find the best rate and create a strategy to .
Individual loans through our partner companies
Quick Cash Small Personal Loan Poor 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 a good choice for consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our 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 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on LightStream
LightStream
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be beneficial to consumers, including impact on credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR Rates mentioned are for AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on OneMain Financial
OneMain Financial
4.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be beneficial to consumers, including the impact on credit score, rates and fees, customer service and ethical lending practices.
4.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on aspects we consider to be beneficial to consumers, including the impact on credit score rate 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 were determined by our editorial team. The scoring formula takes into account 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 compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to 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 rating is determined by the editorial staff. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact on credit score, rates and fees, customer 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 consumer-friendly, including impact to credit score, fees and rates 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 factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings were 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, customer service 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 formula takes into account the factors we believe to be a good choice for consumers, such as impact to credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, such as the impact on credit scores rates and fees, customer experience and responsible lending practices.
APR 7.74-17.99%
Loan amount $600 - $50,000
on PenFed Credit Union
on LendingClub
LendingClub
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit score, rates and fees, the customer experience and ethical lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on the Upgrade
Upgrade
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on 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.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
On Upgrade
on Upstart
Upstart
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, rates and fees, customer experience and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account aspects we consider to be beneficial to consumers, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 6.5-35.99%
Amount of loan: $1,000 - $50,000
on Upstart
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit scores rate and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers the factors we believe to be beneficial to consumers, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
APR 11.69-35.93%
The amount of the loan is $1,000.
on Universal Credit
on OneMain Financial
OneMain Financial
4.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit scores, rates and fees, customer experience and ethical lending practices.
4.0 NerdWallet's ratings are compiled by the editorial staff. The scoring formula is based on the factors we believe to be beneficial to consumers, such as impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 18.0-35.99%
Loan amount $1,500 - $20,000
on OneMain Financial
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are compiled by the editorial staff. The scoring formula takes into account aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees customers' experience, and responsible lending practices.
4.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 18.0-35.99 percent
Amount of loan $1,500-$20,000
on OneMain Financial
on the Upgrade
Upgrade
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to consumers, including impact to credit score rates and fees, customer service and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be consumer-friendly, including the impact on credit score rate 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 were determined by our editorial team. The scoring formula considers aspects we believe are beneficial to the consumer, including the impact on credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer 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 by our editorial team. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit score, rates and fees, the customer experience and ethical lending practices.
4.0 NerdWallet's rating is determined through our team of editors. The scoring formula takes into account factors we consider to be a good choice for consumers, such as impact to credit score, fees and rates, customer experience and ethical lending practices.
APR 9.95-35.95 percent
Amount of loan $2,000 - $35,000
on Avant
on LendingPoint
LendingPoint
4.5 NerdWallet's ratings were determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as impact to credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers factors we consider to be a good choice for consumers, such as impact to credit score rate and fees, 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 determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 11.69-35.93%
The amount of the loan is $1,000.
on Universal Credit
Other holiday financing options
There are other ways to help cover expenses during the season of the holidays.
Pay now, buy later
If you are shopping online or in stores this season of giving You may be offered the option of buying an item now and pay over time called " ." BNPL companies offer rates that range from 0% to 30%, and provide terms of repayment ranging from 6 weeks up to 2 years.
The amount you pay for can be contingent on your credit and you may be required to pay for fees if you miss a payment. Pay later, buy now is designed for smaller buys. Big purchases might require the payment of a down.
Buy now, pay later credit is convenient, especially when it's an easy checkout option at online retailers, but it can lead to excessive spending.
>> MORE:
Credit card with 0% APR
If you have excellent or excellent credit, you might be eligible for an . If you repay the balance during the initial period of the card which is typically between 15 to 21 months, no interest is charged.
A credit card that is 0% will be less expensive in the short run but if you have more than the promotional period, you'll need the expense of paying interest for that amount in the future. If you fail to make an installment or make a late payment on a due date during the introductory period, a credit card issuer could end the 0% rate and leave you paying interest on the balance.
If you're looking to make a large purchase for the holidays and will require some time to finish the purchase then a credit card offering a lengthy 0% APR introductory period is your best bet.
>> MORE:
Apps for loans
The loan apps are an option for people who have bad credit, or with no history of credit as they typically don't need a credit verification. They can provide a small cash advance on your paycheck with no fees or interest that could be used to pay for the cost of last-minute gifts. However, most apps require an optional fee, which is like making interest on your interest-free advance.
Loan apps offer advances of $5-$500 and make automatic repayments on your next payday, through your bank account. You can transfer funds instantly at a cost and can be very useful when you need them, but it's best to avoid using these apps regularly.
Between the fees and the possible tip, borrowing just $100 could earn you an APR of over 100% for an advance, which is why it is best to look at cheaper alternatives if you can.
>> MORE:
Compare options for financing your holidays
Option
Cost
Repayment terms
Pros and pros and
Personal loan
From 6% up to 36.
Most often, 1-7 years.
Pros: Fast funding.
Con: APRs may be excessive for borrowers with poor credit scores.
Buy nowand pay later
Up to 30% APR.
Variable from 6 weeks up to 2 years.
Advantage: Certain plans have no interest.
Pro: The possibility of late fees and overspending.
0% APR credit card
16 percent to 28% following a 0% APR introductory period.
15- to 21-month promotional period to keep out interest.
Pro: 0% interest during promotional period.
Con: Usually only available to excellent and good credit borrowers.
Loan applications
Typically up to $10 in fee, and the option of a tip.
The next payday.
Pro: Can receive funds in a matter of minutes or even the same day.
Con: Most likely, they charge a fee for instant access.
Credit union loans
Between 6% and 27% APR.
The typical age range is 1-7 years.
Pro: Flexibility in terms of rates and flexible conditions.
Con: You must be a member.
Avoid payday loans disguised as 'Christmas loans'
A search on the internet on "Christmas loans" could return websites that offer quick cash. But many Christmas loans come disguised as Christmas loans. They typically don't look at your credit, but they promise to send you money within 24 hours.
The catch? Your interest rate will go at or near the triple digits. For example, a 500-dollar loan due in two weeks , which costs $15 for each $100 borrowed will result in 390% APR. This is typically for payday loans.
You'll need to repay all of the loan, plus interest, within a couple of months or weeks. It could also be necessary to let the lender access your bank account to collect payments, which could expose you to overdraft charges that are costly in the event that you do not have cash in your bank account.
If you can, avoid Christmas payday loans to pay for holiday expenses.
Start planning your budget for next year
You don't have to borrow to pay for your holiday expenses. Start planning for next year and create an budget (we recommend the ) to make the most value from your paycheck. At least 20% savings each payday throughout the year will allow you to have the funds to give yourself the best present: a debt-free Christmas.
The authors' bios: Chanell Alexander is a former personal loans writer for NerdWallet.
Ronita Choudhuri is the person who handles personal loans for NerdWallet.
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Advertiser disclosure You're our first priority. Every time. We believe that every person should be able make financial decisions without hesitation. And while our site does not feature every business or financial product available on the market however, we're confident that the guidance we offer as well as the advice we provide as well as the tools we design are objective, independent easy to use and free. So how do we make money? Our partners compensate us. This can influence the products we review and write about (and where those products appear on the website) However, it does not affect our recommendations or advice, which are grounded in hundreds of hours of study. Our partners do not pay us to guarantee favorable review of their services or products. .
Christmas Loans: What They Are and Alternatives
A holiday loan is one way to pay for costs this time of year However, you must compare the different financing options to choose the lowest-cost option.
,
The last update was on Nov 9 2022.
A majority of the products we feature are from our partners who compensate us. This impacts the types of products we review and the location and manner in which the product is displayed on a page. However, this doesn't affect our opinions. Our views are our own. Here's a list and .
Table of Contents
Table of Contents
With the holidays approaching and the holidays are near, you might be anxious about how you'll pay for gifts and other expenses associated with the season. The holiday loans could help with those expenses, but you may have more affordable options.
Learn about holiday loans and look at alternatives before you borrow.
What is a holiday loan?
A holiday loan is an unsecured that is able to pay for cash shortfalls and holiday expenses, such as trips, gifts or even parties. These loans are from $1,000 to $100,000, and come with annual percentage rates that range from 36% to 6%. They can get you cash quickly, too -- some lenders are able to fund a loan within the same day you apply.
But because they typically have terms between one and 7 years in length, it's possible that you might have to cover the season's expenses when the holidays roll around next year, and perhaps the year after.
How can I obtain a holiday loan?
Banks
Bank loans offer low rates and perks for existing customers, and many offer online applications. Creditworthy customers are more likely to get the highest rates offered by banks.
Personal loan from a bank could be a good idea for those with excellent or good credit (a score of 690 or higher) and are an existing account holder. Offers loans to non-customers, but also offers benefits for customers with accounts. Offers a discount for relationship customers who have qualifying checking accounts.
There aren't many banks that provide personal loans, and some might 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%. Borrowers with fair or bad credit (scores below 690) could find attractive rates in comparison to other lenders as credit unions can look at other factors that are not reflected in a credit score. However only members of credit unions can apply.
To join, you must meet the credit union's requirements and typically pay a one-time membership fee.
Online lender
Online lenders offer holiday loans for people who have all kinds of credit scores, and they can typically fund the loan within one or two days following you apply. Online lenders offer loans with APRs up to 36 percent and repayment terms of typically two to seven years. The rate you qualify for will depend on your credit score, credit history, and the flow of cash.
The personal loan rates from lenders online like and start at around 8percent, however you must have excellent to good credit to be eligible for the most affordable rates.
People with good or poor credit are likely to pay rates that are at the top of the range offered by lenders which can result in higher cost of interest. For instance, a $1,000 loan to be paid in 2 years with an interest rate of 20 percent will cost approximately 222 dollars of interest.
Still, if you get a loan and you are eligible, make sure to pre-qualify with several lenders to find the best rate and create a strategy to .
Individual loans through our partner companies
Quick Cash Small Personal Loan Poor 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 a good choice for consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our 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 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on LightStream
LightStream
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be beneficial to consumers, including impact on credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR Rates mentioned are for AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on OneMain Financial
OneMain Financial
4.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be beneficial to consumers, including the impact on credit score, rates and fees, customer service and ethical lending practices.
4.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on aspects we consider to be beneficial to consumers, including the impact on credit score rate 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 were determined by our editorial team. The scoring formula takes into account 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 compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to 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 rating is determined by the editorial staff. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact on credit score, rates and fees, customer 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 consumer-friendly, including impact to credit score, fees and rates 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 factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings were 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, customer service 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 formula takes into account the factors we believe to be a good choice for consumers, such as impact to credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, such as the impact on credit scores rates and fees, customer experience and responsible lending practices.
APR 7.74-17.99%
Loan amount $600 - $50,000
on PenFed Credit Union
on LendingClub
LendingClub
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit score, rates and fees, the customer experience and ethical lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on the Upgrade
Upgrade
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on 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.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
On Upgrade
on Upstart
Upstart
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, rates and fees, customer experience and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account aspects we consider to be beneficial to consumers, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 6.5-35.99%
Amount of loan: $1,000 - $50,000
on Upstart
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit scores rate and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers the factors we believe to be beneficial to consumers, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
APR 11.69-35.93%
The amount of the loan is $1,000.
on Universal Credit
on OneMain Financial
OneMain Financial
4.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit scores, rates and fees, customer experience and ethical lending practices.
4.0 NerdWallet's ratings are compiled by the editorial staff. The scoring formula is based on the factors we believe to be beneficial to consumers, such as impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 18.0-35.99%
Loan amount $1,500 - $20,000
on OneMain Financial
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are compiled by the editorial staff. The scoring formula takes into account aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees customers' experience, and responsible lending practices.
4.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 18.0-35.99 percent
Amount of loan $1,500-$20,000
on OneMain Financial
on the Upgrade
Upgrade
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to consumers, including impact to credit score rates and fees, customer service and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be consumer-friendly, including the impact on credit score rate 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 were determined by our editorial team. The scoring formula considers aspects we believe are beneficial to the consumer, including the impact on credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer 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 by our editorial team. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit score, rates and fees, the customer experience and ethical lending practices.
4.0 NerdWallet's rating is determined through our team of editors. The scoring formula takes into account factors we consider to be a good choice for consumers, such as impact to credit score, fees and rates, customer experience and ethical lending practices.
APR 9.95-35.95 percent
Amount of loan $2,000 - $35,000
on Avant
on LendingPoint
LendingPoint
4.5 NerdWallet's ratings were determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as impact to credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers factors we consider to be a good choice for consumers, such as impact to credit score rate and fees, 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 determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 11.69-35.93%
The amount of the loan is $1,000.
on Universal Credit
Other holiday financing options
There are other ways to help cover expenses during the season of the holidays.
Pay now, buy later
If you are shopping online or in stores this season of giving You may be offered the option of buying an item now and pay over time called " ." BNPL companies offer rates that range from 0% to 30%, and provide terms of repayment ranging from 6 weeks up to 2 years.
The amount you pay for can be contingent on your credit and you may be required to pay for fees if you miss a payment. Pay later, buy now is designed for smaller buys. Big purchases might require the payment of a down.
Buy now, pay later credit is convenient, especially when it's an easy checkout option at online retailers, but it can lead to excessive spending.
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Credit card with 0% APR
If you have excellent or excellent credit, you might be eligible for an . If you repay the balance during the initial period of the card which is typically between 15 to 21 months, no interest is charged.
A credit card that is 0% will be less expensive in the short run but if you have more than the promotional period, you'll need the expense of paying interest for that amount in the future. If you fail to make an installment or make a late payment on a due date during the introductory period, a credit card issuer could end the 0% rate and leave you paying interest on the balance.
If you're looking to make a large purchase for the holidays and will require some time to finish the purchase then a credit card offering a lengthy 0% APR introductory period is your best bet.
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Apps for loans
The loan apps are an option for people who have bad credit, or with no history of credit as they typically don't need a credit verification. They can provide a small cash advance on your paycheck with no fees or interest that could be used to pay for the cost of last-minute gifts. However, most apps require an optional fee, which is like making interest on your interest-free advance.
Loan apps offer advances of $5-$500 and make automatic repayments on your next payday, through your bank account. You can transfer funds instantly at a cost and can be very useful when you need them, but it's best to avoid using these apps regularly.
Between the fees and the possible tip, borrowing just $100 could earn you an APR of over 100% for an advance, which is why it is best to look at cheaper alternatives if you can.
>> MORE:
Compare options for financing your holidays
Option
Cost
Repayment terms
Pros and pros and
Personal loan
From 6% up to 36.
Most often, 1-7 years.
Pros: Fast funding.
Con: APRs may be excessive for borrowers with poor credit scores.
Buy nowand pay later
Up to 30% APR.
Variable from 6 weeks up to 2 years.
Advantage: Certain plans have no interest.
Pro: The possibility of late fees and overspending.
0% APR credit card
16 percent to 28% following a 0% APR introductory period.
15- to 21-month promotional period to keep out interest.
Pro: 0% interest during promotional period.
Con: Usually only available to excellent and good credit borrowers.
Loan applications
Typically up to $10 in fee, and the option of a tip.
The next payday.
Pro: Can receive funds in a matter of minutes or even the same day.
Con: Most likely, they charge a fee for instant access.
Credit union loans
Between 6% and 27% APR.
The typical age range is 1-7 years.
Pro: Flexibility in terms of rates and flexible conditions.
Con: You must be a member.
Avoid payday loans disguised as 'Christmas loans'
A search on the internet on "Christmas loans" could return websites that offer quick cash. But many Christmas loans come disguised as Christmas loans. They typically don't look at your credit, but they promise to send you money within 24 hours.
The catch? Your interest rate will go at or near the triple digits. For example, a 500-dollar loan due in two weeks , which costs $15 for each $100 borrowed will result in 390% APR. This is typically for payday loans.
You'll need to repay all of the loan, plus interest, within a couple of months or weeks. It could also be necessary to let the lender access your bank account to collect payments, which could expose you to overdraft charges that are costly in the event that you do not have cash in your bank account.
If you can, avoid Christmas payday loans to pay for holiday expenses.
Start planning your budget for next year
You don't have to borrow to pay for your holiday expenses. Start planning for next year and create an budget (we recommend the ) to make the most value from your paycheck. At least 20% savings each payday throughout the year will allow you to have the funds to give yourself the best present: a debt-free Christmas.
The authors' bios: Chanell Alexander is a former personal loans writer for NerdWallet.
Ronita Choudhuri is the person who handles personal loans for NerdWallet.
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