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How To Get a Christmas Loan with Bad Credit

When we think of Christmas, we think of a festive, giving, and cozy holiday. However, for all its wonder, Christmas can often be a costly time of year. After all, it is called the season of giving and giving costs money. The good news this holiday season is that gift-giving doesn't have to put a financial strain on your wallet.

Whether you have good or bad credit, getting a loan during the holiday season can help cover bills and give you the financial flexibility to be the best gift giver of the season.

Likewise, a loan can save your Christmas from financial disaster if an emergency strikes close to the holidays. With the two loan types mentioned below, you can find a financial lifeline for this Christmas season.

Christmas Is Around the Corner

It is that beautiful time of year again, with Christmas soon approaching. Christmas manages to sneak up on us despite being the same time every year. Before you know it, it'll be Christmas Eve in the blink of an eye. That makes it even more critical to get your finances in order beforehand.  

For those with bad credit, getting financial help during the holidays can leave a feeling of despair. But this doesn't need to be the case.  

Family celebrating Christmas together.

How To Get a Loan with Bad Credit

Having bad credit can be a pain. When you need a loan and need it fast, poor credit can often hinder your ability to get the loan you need. It may disqualify you entirely from getting a loan, impact the loan amount you qualify for, or slow down the application approval process with extensive credit checks that provide funds after you need them.

Thankfully, installment loans from Simple Fast Loans can help. So, you don't have to feel like a loan is out of reach due to bad credit. 

Simple Fast Loans Credit Check

Simple Fast Loans does conduct credit checks. However, We are flexible on loaning to people with lower scores. Credit checks are a feature of any major loan or purchase.  It involves accessing and evaluating an individual's credit report and credit score to determine their financial reliability and assess the risk associated with extending credit or entering into a financial agreement.

Installment Loans

An installment loan is a great option to get funds fast. Funds are not obligated to be used towards a specific type of purchase, such as a vehicle loan. Installment loans can be used for any financial emergency that arises.

An installment loan can assist you if you are having difficulty paying your electric or medical bills, your car broke down and needs to be repaired, or your water heater needs to be replaced. Mainly if these emergencies occur near the holidays, forcing you to dip into the Christmas gift fund you have been diligently saving for over the past few months. 

With an installment loan, your Christmas fund doesn't have to be drained, and Christmas doesn't have to be ruined. With fixed monthly installment payments, you can easily calculate the expense into your monthly budget without worrying about fluctuating monthly bills. This can often set your mind at ease and make the loan more manageable. 

The Gift of Giving

Simple Fast Loans understands the gift of giving. That is why the application process and approval time are so speedy. By prioritizing your time and needs, Simple Fast Loans makes it so that you can complete the application and find out if you are approved instantly.

A family enjoying quality time together on Christmas.

With a simple and fast application process, you can get the money you need this holiday season with little to no hassle.

All you need to do to get started is to fill out an online application form. To apply, you will need to fill out some basic information such as your:

  • Name
  • Address
  • Telephone number
  • A social security number

You will also need to provide additional documentation, such as: 

  • Proof of identification showing you are of a legal age requirement to apply (18 years or older)
  • Proof of income
  • Active checking account information

Simple Fast Loans | Providing Funds This Christmas

Expenses can be costly during the holiday season. With heating costs rising during the winter, flu, and cold season causing you to take a few days off work with added medical bills and missed pay, paying off school taxes before the year's end, and so much more, it can put quite the demand on your wallet.

If you are wondering how to get the funds you need to salvage this holiday season, you needn't look far. With Simple Fast Loans, you can cover these expenses while indulging in the gift-giving spirit of the season. 

How so? Simple Fast Loans offers customers installment loans ranging anywhere from $200 to $3,000. That is right; you won't need to dip into your Christmas fund! 

Let This Christmas be Merry

It can be hard to enjoy Christmas when stressed about your financial situation. Thankfully, this doesn't have to be the case. So don't let your Christmas be anything less than merry, and put in an application with Simple Fast Loans today. Once approved, you can set your mind at ease and have a merry Christmas. 

Although credit checks are performed, having poor credit won't necessarily prevent you from getting a loan, even if other lenders have turned you down.


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