9 Best Christmas Loans in the US: Get Fast Cash for Holidays (No Credit Checks)

  • Wednesday, December 6, 2023 12:24pm
  • Blog

Are you struggling to make ends meet this Christmas? You’re not alone if you have no money left to buy Christmas presents for your loved ones, pay for your family trip, pay for a proper Christmas dinner, or cover emergency expenses.

According to The Associated Press-NORC Center for Public Affairs Research, 57% of Americans don’t have enough money to buy what they’d like to give to their loved ones or cover emergency expenses this Christmas.

This is why we’ve created this ranking with the top 9 providers of Christmas loans in the US to bring you a quick source of funding this holiday, with loan amounts ranging from $100 up to $50,000 with instant approval, fast disbursement, and no credit checks.

Check out our ranking of the 9 best holiday loan providers to cover all your expenses this Christmas.

List of the Top 9 Christmas Loans in the US for Holidays

Here you have our recommended providers of Christmas loans for this holiday so you can get the money you need as soon as possible:

  1. Santa Loot: Best overall provider of Christmas loans
  2. Credit Clock: Best for emergency Christmas loans
  3. Big Buck Loans: Most flexible loan terms
  4. Fast Loans Group: Best for large Xmas loans
  5. Honest Loans: Easiest online application
  6. Loan Raptor: Best for fast disbursement
  7. Fast Money Source: No credit checks
  8. Heart Paydays: Ideal for micro Christmas loans
  9. Low Credit Finance: Best Christmas loans for students

If you need more information on choosing your ideal provider of holiday loans, here are our detailed reviews that will give you all the details you need to make the right decision.

1. Santa Loot: Best overall provider of Christmas loans


Created to issue Christmas loans, Santa Loan is the best overall provider from our ranking because they’ve been helping Americans easily borrow money to cover all their holiday expenses since 2017.

Santa Loot brings you the opportunity to borrow from $100 up to $50,000 this Christmas, with a highly competitive APR, loan terms of up to 60+ months, instant approval, same-day express disbursement, and the flexibility to use your credit as you wish for any type of holiday expenses.

2. Credit Clock: Best for emergency Christmas loans


Do you need money for Christmas expenses outside of business hours? Specially created for emergencies during holidays, Credit Clock is the best choice when you need money urgently because they work around the clock, bringing you 24/7 availability even during Xmas.

Credit Clock allows you to borrow from $100 up to $5,000 to cover any expenses this Christmas, with the possibility to repay it from 3 to 24 months, with a competitive APR, a high approval rate for all types of customers, and express disbursement.

3. Big Buck Loans: Most flexible loan terms


If you wish to spread your Christmas expenses over several months, Big Buck Loans is the best choice for your holiday loan, thanks to their highly flexible loan terms. You can opt to repay your loan from just 1 month up to 84 months, bringing you optimal flexibility for managing your Christmas debt.

Big Buck Loans allows you to borrow from $100 up to $5,000 for any purpose with no credit checks. Thanks to its high approval rate of 90%, it’s a reliable provider of holiday loans to spread out your Christmas expenses as you wish.

4. Fast Loans Group: Best for large Xmas loans


If you need more than just $100-$1,000 because you’re looking for a business Christmas loan or a large loan to cover your expenses during this holiday, you can rely on Fast Loans Group to borrow the money you need. With loan amounts as high as $50,000, it’s the ideal choice for big holiday loans with instant approval and same-day disbursement.

5. Honest Loans: Best for competitive APR


If banks or traditional lenders will only lend you money at an excessively high-interest rate this Christmas, you can forget about them because Honest Loan is the solution you need right now. Thanks to their competitive APR, you can apply for a Christmas loan at a fair cost, with flexible repayment periods and loan amounts from $100 up to $50,000.

6. Loan Raptor: Best for fast disbursement


If you’re in a hurry and need money as soon as possible, Loan Raptor is the right choice for you because they can approve your Christmas loan instantly and disburse it within 60 minutes.

You can rely on Loan Raptor to borrow from $100 up to $5,000 and repay it in up to 48 months, bringing you the best of both worlds: generous loan amounts and flexible loan terms. And because they don’t perform credit checks, Loan Raptor is an excellent choice for Christmas loans for bad credit.

7. Fast Money Source: No credit checks


Fast Money Source is a solid choice for all customers with bad credit, no credit history, or no credit score because it can approve your Christmas loan application without credit checks. You can borrow from $100 up to $50,000 even with bad credit, making it an ideal choice for small businesses, students, and Christmas cash loans.

8. Heart Paydays: Ideal for micro Christmas loans


If you need a small loan to cover your Christmas expenses, such as buying a couple of presents or paying for a short trip, Heart Payday is the right choice for you. With loan amounts as low as $100, a competitive APR, and flexible loan terms, it’s the best choice for small loans this Christmas.

9. Low Credit Finance: Best Christmas loans for students


If you’re a student, your income, credit score, and credit history won’t be enough to qualify for a loan from banks or traditional lenders. Fortunately, Low Credit Finance is an excellent choice for students looking for a Christmas loan. They offer a 90% approval rate with no credit checks, instant approval, quick disbursement, and loan amounts up to $5,000.

Overview of the Best Providers of Christmas Loans in the US

Here is a complete overview if you want to quickly compare our recommended providers to select your ideal Christmas loan offer.

Christmas Loan ProviderMain BenefitScore
Santa LootHighest approval rate, lowest APR, and high loan amounts10/10
Credit ClockAvailable 24/7 for emergency loans this Christmas10/10
Big Buck LoansSpread out your Christmas expenses over up to 84 months10/10
Fast Loans GroupCover large Christmas expenses for up to $50,0009/10
Honest LoansBorrow money this Christmas at the most competitive interest rate9/10
Loan RaptorInstant approval and fastest disbursement for holiday loans9/10
Fast Money SourceBorrow money this Christmas with no credit checks8/10
Heart PaydaysBest provider of small and micro loans in Christmas8/10
Low Credit FinanceBest terms and conditions for students looking for Xmas loan8/10

How to Apply for a Christmas Loan Now

Apply for a Christmas loan to cover all of your holiday expenses and gifts in only 5 steps:

  1. Choose a provider of Christmas loans from our ranking
  2. Visit the website and fill out the application form
  3. Send your Xmas loan application form and wait for the instant decision
  4. Review your available loan offers and accept your preferred proposal
  5. Receive the Christmas loan money in your bank account

Because we know you need the money now, our recommended providers will bring you an automatic decision about your application, and if you’re approved, they will disburse your Xmas loan on the same day.

Eligibility Criteria for Christmas Loans

Find out if you will qualify for a Christmas loan through our recommended providers by checking out their eligibility criteria.

Basic Requirements

Here you have the list of basic requirements you need to meet to qualify for a Xmas loan through our recommended providers:

  • 18+ years old
  • US citizen or permanent resident
  • Proof of address
  • Phone number
  • Email address
  • State-issued ID
  • Social Security Number

These are also known as identity requirements, and they’re used to verify that you’re a real person and meet the minimum eligibility criteria for a Xmas loan.

Income Requirements

You also need to meet their income requirements to get approved for a holiday loan; here’s what you need to take into account:

  • Proof of your income source (pay stubs, bank statements, information about your employer, tax returns, 1099s, etc.)
  • Your income source must be steady and verifiable
  • Your income source must be legal
  • Your income source must be capable of covering the fees and final cost of the Christmas loan.
  • You must have a valid bank account for the provider to disburse your holiday personal loan.

In short, be it that you’re employed, self-employed, run your own business, have a pension, or earn money thanks to dividends, you need to prove to the Christmas loan provider that your income is verifiable, steady, and enough to cover the cost of the credit.

Debt Requirements

Because your credit score won’t be considered for determining your creditworthiness, they must rely on alternative factors such as your debt to income ratio. Here you have the requirements you must meet:

  • Your debt to income ratio should be lower than 43%
  • You shouldn’t have a large number of accounts
  • You shouldn’t have multiple outstanding Christmas loans

You need to prove to the provider that your current debts won’t prevent you from repaying your new Christmas loan on time.

Additional Requirements

Depending on how much you want to borrow or your specific profile, the provider might ask for additional requirements such as:

  • Additional address proof documents
  • Additional income-proof documents
  • Lease or rental agreement
  • Property tax receipt
  • Etc.

What are Christmas Loans?

Christmas loans are special personal loans designed to cover many holiday expenses such as Christmas presents, urgent car or home repairs, medical bills, or simply making ends meet during this busy season.

Also known as holiday loans, Christmas loans can bring you quick access to funding from $100 up to $50,000 without hard credit checks or a lengthy approval and disbursement process because they’re instantly approved and disbursed within the same day.

Even though they were created for the short term to help you cover all of your Christmas expenses and repay them within 30 days or less, Christmas loans have evolved, and now you can spread your holiday expenses for up to 84 months.

Types of Christmas Loans in the US

Depending on your needs and plan, you will need a specific type of Christmas loan. Here is a list of all the options available from our recommended providers.

Christmas Payday Loans

If you need quick money for Christmas to cover your holiday expenses and wish to repay it as soon as possible, you can go right with Xmas and holiday payday loans. With short-term repayment periods such as 1 week or 1 month, you can borrow from $100 up to $5,000 to cover your Christmas expenses such as gifts, emergencies, last-minute purchases, etc.

Christmas Installment Loans

If you prefer to spread your Christmas expenses over multiple monthly payments, you should opt for a Christmas installment loan, another product available at our recommended providers. You can opt to repay your loan over 3 to 84 months, and you can borrow from $100 up to $50,000 through selected providers.

Christmas Cash Loans

Xmas cash loans for holidays are very similar to payday loans because they will also bring you access to quick short-term funding, usually in the range of $100 up to $5,000. Because they don’t perform credit checks nor factor in your credit score to determine your creditworthiness, Christmas cash loans are a solid option for covering your holiday expenses.

Christmas Tax Loans

Did you know you can secure and repay your Christmas loan with your tax refund? Also known as a Tax Refund Advance, it’s one of the most popular holiday loans because it offers a high approval rate, a competitive APR, and flexible loan amounts to cover your Christmas expenses.

Secured Christmas Loans

Even though our recommended providers mainly focus on unsecured personal loans, you can also opt for a secured Christmas loan if you have a valuable possession, such as a home or car title, to use as collateral. On top of increasing your chances of approval, this type of loan will reduce your interest rate and bring you more flexible loan terms and better repayment conditions.

Christmas Loans for Students

Students might need help getting approved for a loan at a bank or traditional lender due to their low income, lack of credit history, or even lack of credit score. This is why our recommended providers also provide Christmas loans for students, making it easy for you to get the funds you need for this holiday with a high approval rate, a competitive interest rate, and flexible loan terms.

Business Christmas Loans

Suppose you need to inject more money into your business to take full advantage of this busy and profitable season. In that case, you can also rely on the business Christmas loans offered by our recommended providers. With loan amounts as high as $50,000 with no credit checks, you can obtain the funds you need to boost your company.

The Benefits of Online Christmas Loans

Let’s explore the incredible advantages of Christmas loans for all your holiday expenses and gifts so you can see how we will help you in many situations.

Use The Money for Christmas Presents and Other Purposes Without Restrictions

Whether you want to use the money to buy Christmas presents for all of your loved ones, pay for an unexpected car repair, or simply make ends meet, you can use our recommended Christmas loans for any purpose.

During your online application, our providers won’t ask you how you will use the money; hence, you can use the funds for any purpose during these holidays.

Instant Approval with Express Disbursement for Quick Money

Our recommended providers of Christmas loans offer instant approval and express disbursement thanks to their advanced systems and technology. They can instantly analyze your online application to determine your creditworthiness and proceed to disburse the loan money during the same day, in a range of 1 to 4 hours on average.

Get Money Regardless Of Your Credit Situation

Unlike banks that determine your creditworthiness solely based on your credit score, our recommended providers can approve your Xmas loan application even if you have extremely bad credit. Accepting customers with no credit score, you can get the holiday money you need regardless of your credit situation.

Administer Your Xmas Expenses at an Easy Pace

Now, you can pay for all of your expenses during Christmas and repay them at your own pace, thanks to the flexible loan terms our recommended providers put at your disposal. With loan terms as large as 84 months, you can get the money you need for this holiday and worry about repaying it later.

Boost Your Credit Score and History

By repaying your Xmas loan on time, you will rebuild your credit history and thus boost your credit score because our recommended providers report to credit bureaus such as Equifax. You can climb up categories to access lower interest rates and more flexible loan terms, amongst other exclusive benefits.

When Should You Apply for a Christmas Loan?

If you still aren’t sure about applying for a Christmas loan, here you have a list of situations when taking out this special type of personal loan is an excellent idea.

If you need money urgently

Because our recommended providers of Christmas loans offer instant approval and same-day disbursement, it’s a good idea to apply for this type of holiday loan if you need money urgently because they can send the money to your bank account in 1 to 4 hours.

If you have bad credit

Because our selected providers of holiday loans don’t perform hard credit checks, you can qualify for credit even if you have extremely bad credit (a credit score of 500-300 points, for example). Especially during Christmas, when most banks would reject your application right off the bat, our recommended companies can bring you the money you need for all your holiday expenses.

If you have no credit history

Getting approved for a traditional personal loan requires a credit history. If you qualify, the bank or lender will likely charge you an excessively high-interest rate. On the other hand, our recommended Christmas lender can approve you even if you have zero credit history or no credit score while bringing you a fair APR.

If you are highly indebted

A higher than 30% debt-to-income ratio will lead most banks and traditional lenders to instantly reject your loan application, even for emergency expenses during Christmas. Fortunately, our recommended providers can approve your Christmas loan application even with a 46-50% debt-to-income ratio.

If you are unemployed

If you’re employed on benefits, you have an alternative source of income, or if you’re self-employed, our recommended providers of Christmas loans will happily accept your loan application. Because they only verify if your income source is steady and verifiable, you stand a high chance of getting approved.

Alternatives to Christmas Loans

If you want to explore more options besides our recommended Christmas loans for these holidays, here is a list of available alternatives.

Buy Now – Pay Later

You can also use buy-now and pay-later services to buy your Christmas presents now and pay them later, as the name suggests. Specific retailers, shopping apps, and online services bring this type of solution; just make sure you’ll be able to buy the product you need and won’t be subjected to a high APR and strict repayment conditions.

Payment Advance

You can also ask your employer for an advance payment in case you’re short of money and need extra funds to cover your holiday expenses. You won’t have to deal with interest since you’re only requesting an advance of your wage and not technically borrowing money.

Pawnshop Loan

Pawnshops can also lend you money if banks, traditional lenders, or our recommended providers cannot approve your loan application. If this is the case, you should visit your local pawnshop and bring a valuable item to use as collateral; this way, you can easily borrow money for Xmas.

Shop for Discounts Online

Local and online retailers like Amazon and Walmart (such as including free shipping to all states), as well as smaller shops and brands, offer exclusive online discounts during Xmas, bringing you an opportunity to buy presents at an exclusive cost.

Therefore, if you don’t want to borrow money and instead would like to invest your time into finding the best prices online, then you should focus on hunting down the latest discounts for Xmas.

Borrow Money from Friends or Family

You should consider this your last resource because borrowing money from friends or relatives, especially during Christmas, can be challenging and usually generate problems, damaging your relationships. Therefore, if this is the unique solution at your disposal, make sure to borrow only what you need and set up clear repayment terms and conditions so you can pay back your loan on time to avoid conflicts.


For more information about Christmas loans and our recommended providers, here are the answers to the most frequently asked questions.

Are Christmas loans the same as holiday loans?

Yes, Christmas loans are also known as holiday loans; hence, they’re the same type of personal loan. Their primary purpose is to help customers who need quick cash during Xmas, ranging from holiday gifts to unexpected expenses such as car repair.

Can you qualify for a Christmas loan with bad credit?

Yes, our recommended providers of Christmas loans don’t require a minimum credit score, making it possible for you to qualify even with bad credit or no credit history.

Can you get a Christmas loan with no credit check?

Yes, our selected providers don’t perform credit checks when evaluating your online Christmas loan application because they don’t rely on your credit score to determine your creditworthiness. You can qualify for your holiday loan without hard credit inquiries that will damage your credit score.

Are your recommended loans better than the Christmas loan H&R Block 2023?

Yes, the Christmas loan by H&R Block 2023 can only lend you up to $1,300, and it’s only reserved for an exclusive group of customers. On the other hand, our recommended Christmas loans can lend you $100 up to $50,000 even if you have bad credit, no credit history, or no credit score, making them more accessible and reliable than H&R Block.

Are holiday loans worth it?

Yes, holiday loans and Christmas are worth it because you can get money fast during this busy season without credit checks and for any purpose, ranging from gifts to emergencies. And since it allows you to spread out your Xmas expenses, holiday loans are recommended for administering your debt.

How to get out of Christmas debt?

The best way to get out of Christmas debt is to use your Xmas loan responsibly, which means only using the money for the exact purposes that led you to request it in the first place. Create a budget, stick to it, and repay your holiday loan on time.


The news and editorial staff of Sound Publishing, Inc. had no role in the preparation of this post. The views and opinions expressed in this sponsored post are those of the advertiser and do not reflect those of Sound Publishing, Inc.

Sound Publishing, Inc. does not accept liability for any loss or damages caused by the use of any products, nor do we endorse any products posted in our Marketplace.