Christmas Loans with No Credit Checks

Helping you spread good cheer when you need money for Christmas.

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Applying Does NOT Affect Your Credit Score

Loans for Christmas

Christmas is indeed a festival of cheer and goodwill which everybody likes to celebrate with their close ones. With Christmas trees and lights comes the need to buy presents for our loved ones. Some people need to travel during this time of the year in order to meet their family and friends, others like to host a get together to spread the cheer. Nobody should be in a situation wherein they can't spend this time of the year in the positive and cheerful way that it's supposed to which is why we offer Christmas loans to those who need it.

Can I get a Christmas Loan on The Same Day as Application?


Indeed you can. At 12MonthsBadcreditLoans, we do not include the stringent and time consuming approval procedures that traditional lenders do, which makes it possible for our lenders to get the money that they need on the same day as application. Once you apply with us, approvals are fast and transfers are immediate, making it possible for you to receive cash between an hour to 24 hours (that depends on your bank's policies).

How Big a Loan Can I Get on the Same Day?

The amount that you can borrow from a direct lender isn't the same as that of a traditional lender. Traditional lenders offer large amounts to large scale businesses and people who need huge loans. Direct lenders offer small amounts to people who are in need of extra money in order to cater to a specific need like an emergency or to celebrate an occasion, like Christmas. From us as your direct lender, you shall be able to receive up to $1000, depending upon whether or not you are a repeat customer and how much you earn on a monthly basis. First time borrowers can receive up to $500 from us.

Can I Get a Christmas Loan with No Credit Check?

If you choose to apply with us, you don't have to worry much about credit checks. We do not conduct hard credit checks unlike traditional lenders who do which means that you don't have to worry about a reduction in your credit rating. We do not rely on credit scores in order to fund our borrowers which allows even bad credit holders to get funded by us. As long as one has a stable income, getting funded by us is very easy.

There are two reasons why we avoid credit checks. Firstly, we do not like to waste your time and credit checks defeat that purpose and secondly, we understand and know that very few people hold perfect credit ratings in the first place.

How to Get a Holiday Loan Online with No Credit Check

Getting a holiday loan online is a very simple affair. There are just 3 simple steps that one has to go through:

  • Apply: It is very simple and quick to apply online with us as all you have to do is take out a few minutes of your precious time, visit our website and fill out our very simple form with very simple documentation.
  • Get Approved: Once approve, you shall be notified. All you have to do is sit back and relax.
  • Get Money Transferred into Your Account: You don't have to run back and forth in order to apply and then collect money. We shall directly transfer funds into your checking account.
Apply Now to get a Christmas loan today.
What do I Need to Provide in Order to Get a Christmas Loan?

It is very easy to get a Christmas loan from us since our requirements are very minimal. You shall be needed to provide the following documents:

  • 1. Income Statement/ Pay stub
  • 2. Contact Details
  • 3. Verifiable contact details
  • 4. Age proof (18+)
  • 5. Checking account details

Consumer Notice

The available loan product types and loan amount limits may vary with the market. All loans are subject to state regulations, eligibility terms, certifications, underwriting and approval. Rates, fees, terms and conditions apply. The loan decisions, disbursal and credit times are subject to system limitation. In some cases, verification may require additional processes, which can delay the loan decision.

We offer short-term loans. Short-term loans are intended towards assisting borrowers with short-term financial needs and they are not intended to serve as long-term financial solutions. Customers with credit related issues and hardships are advised to seek credit counseling.

The credited approval on your application may be based in part or wholly upon information obtained from a national database including, but not confined to TransUnion or eBureau.

Terms such as, “same day approval”, “same day deposit”, “instant approval”, “guaranteed approval”, “bad credit ok”, “one-hour deposit”, “instant deposit”, “no credit check”, etc. are only indicative. Certain conditions, state laws and safety considerations may require such terms to be deviated from. All loan products are subject to various terms and conditions and various parts of the lending process may be subject to system limitations and third-party verifications which can cause time delays and/or loan rejections. Some restrictions may apply.

Equal Credit Opportunity Act: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.