The end of the year means the beginning of the holiday season, which means more expenses for you and your family.
Are you having a hard time getting in the festive spirit? Do you worry about being able to afford gifts? Are you concerned about the cost of plane tickets for the big family gathering?
A personal loan from Balance Credit can help you cover additional costs this time of year brings. Even if your credit score would put you on the naughty list.
Christmas Loans for Bad Credit
If you have less-than-perfect credit or even no credit and are struggling to save money for a great gift, a holiday loan could be just what you need. Your credit score shouldn’t get in the way of the many joys that come with the season. You can rest easy knowing a subpar rating won’t necessarily stop you from being approved.
What is a Holiday Loan?
A holiday loan is a personal loan used to cover holiday expenses. You can use the funds to cover holiday and Christmas expenses; or other personal things. These short-term holiday loans for bad credit can help you pay for extra costs during the holidays. They are available to make your holidays merry and bright, no matter how you celebrate.
Who is Holiday Financing Right For?
Putting money aside for this time of year might not be possible for everyone. It is best to have holiday funds ready for the extra spending during the holiday season. However, life can be unpredictable, and sometimes we cannot plan ahead.
You had your holiday budget all planned out. Then, unexpected problems like a car breakdown or illness impact your finances. You still want to find a way to provide a magical experience for your family, even if your low credit score means you don’t qualify for traditional financing options. These situations can be out of your control, and your credit rating shouldn’t necessarily mean you don’t get the holiday you envisioned.
Using Your Holiday Funds
While the terms of this kind of short-term loan don’t dictate how proceeds can be used, here are some expenses you can use your funds for:
- Gifts – From the latest gadgets to trendy items and must-have toys for your kids, a bad credit installment loan can help you ensure everything they want is under the tree this year.
- Travel—Seeing family is one of the highlights of this time of year, but not everyone is lucky enough to have them nearby. Cross-country travel or road trips are sometimes a necessity to see loved ones, but they can get expensive quickly. Use your new holiday cash to buy plane tickets to see grandma and participate in family holiday traditions regardless of distance or cost.
- Hosting – Holiday hosting means crafting a menu, decorating the house, and figuring out how to fit your entire family around the dinner table. It also means buying all the food and planning for unseen expenses that come with hosting. This is another way to use the funds from your holiday financing.
Qualifying for a Holiday Loan with Bad Credit
Getting your holiday cash online is easy with Balance Credit. Fill out our loan application and find out if you’re approved!
Our holiday loans are meant for people with less-than-stellar credit ratings. Approved applicants usually have their funds as soon as the next business day.** Check out our FAQs to learn further information on Holiday Loans and approval processes.
Accessing your Holiday Funds
After getting approved, your money can be available as soon as the next business day.** That means you can get on with the festivities quickly and enjoy the season with the financial security of extra Christmas funds.
Enjoy The Holidays with a Little Help from Balance Credit
Our focus is always on our customers. Get the additional holiday funds you need and enjoy this time of year the way you want. We are happy to be able to provide some additional festive cheer and a stress-free season with our holiday loans for bad credit.
The information contained in this post is for general educational and informational purposes only. It is not an offer of credit, does not fully describe the products that we offer or facilitate, and it is not specific to any individual. These products are an expensive form of credit, and you should ensure that they meet your unique financial needs. We are not a credit repair organization and make no representation that we or any loan will improve or attempt to improve your credit rating. We do not provide financial advice or assistance regarding your credit situation. These educational posts are not a substitute for individualized professional advice.
