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Christmas Loans For Bad Credit - No Credit Check 


Mark B Huntley Headshot

By Mark B. Huntley, Esq. 
Last Updated 11/07/19


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Summary: Three holiday loan strategies for when you have no money for Christmas and need to get a Christmas Loan with bad credit. 

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Having no money for Christmas can be the worst feeling in the world. 

But, you are going to breathe easier once you read this article on how to get Christmas loans for bad credit with possibly no credit check. 

Even with bad credit, you will have multiple options to get a Personal Christmas loan with a bad credit score

We’ll discuss your options to get Holiday loans to buy now pay later on Christmas gifts or how to get a personal Christmas loan for bad credit.

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Save Money By 'Knowing' Your Credit Score

When I was a kid, I loved G.I. Joe cartoons, and at the end of every episode, the same great life advice was given. 

Knowing is half the battle because knowledge is power. 

G.I. Joe Cartoon

‘Knowing is half the battle because knowledge is power.’

Then they would yell ‘Yo Joe’ or ‘Go, Joe,’ I was never really sure, but I’d yell along just the same. 

If you are looking to get the best rates for a Holiday loan with bad credit, then you need to know your credit score. 

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I can’t tell you how many times I’ve spoken to someone who has told me they have a bad credit score only to find out they just ‘think’ they do. 

Look, there are several ways to get a Free Credit Score , and our top recommended one is through Credit Sesame

It will really help you to know what is a good credit score  and what is a bad one. 

You can click on the orange button below and get your free TransUnion and Equifax VantageScore to find out yours today. 

Knowing your credit score that is half the battle because you will be able to assess the APR rates of your Christmas loans better.

And don't forget, knowledge is power!  

Get your free credit score through Credit Sesame

Buy Now Pay Later Christmas Gifts

Here’s the truth, with bad credit, not many people are going to give you Holiday loans. 

However, the Fingerhut credit card  by WebBank specializing in giving unsecured credit to people with bad credit and no credit. 

What is great about Fingerhut is you can get instant credit approval and use today! (link to instant credit)

This means that you can purchase your Christmas gifts off of Fingerhut’s online catalog and not have to make a minimum payment for almost 45 days. 

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Fingerhut credit works the same as a traditional credit card but can only be used on their website. 

You can get your Fingerhut Christmas credit card by clicking the orange button below and stop worrying about having no money for Christmas.

Get your free Fingerhut credit card and start shopping now! 

Personal Christmas Loans For Bad Credit

If you still need a Christmas cash loan for the holidays, you can try and get a personal Christmas loan for bad credit. 

Multiple lenders specialize in loaning money to people who need money for the holidays. 

Understand that if you have bad credit, the APR rates can be anywhere from 35% to 155%.

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These are incredibly high-interest rates, and if you can avoid taking out a Holiday loan, it would be better in the long run. 

However, Xmas loans are available by filling out the Christmas bad credit loan application of our partner lender

It is free to apply and because it is a soft inquiry, it will not hurt your credit score. 

Keep in mind that you will receive multiple holiday loan offers once you apply. 

Be sure to compare each offers APR rates and the total closing costs to ensure you get the best Xmas loan possible. 

Soft credit inquiry.  Multiple offers instantly.

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Take Action!

Hopefully, you found this Christmas Loans for Bad Credit and No Credit Check article helpful. 

We laid out three steps to follow for people who need money for Christmas. 

The first step is to be sure to get your free credit score so you know if you are being offered fair Holiday loan rates. 

Take advantage of Fingerhut’s instant credit approval for bad credit and no credit customers to start shopping for Christmas presents today. 

Last, I would apply for a personal Christmas loan if I need money for Christmas. 

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