Why Holiday Cash Advance Loans Beat Credit Cards
We’ve all been there: the holiday season comes out of nowhere and you’re not prepared. You don’t have the cash to buy gifts. You haven’t been able to budget your paycheck to save anything for the food, decorations, parties, and travel necessary to celebrate the holidays. What are you going to do? It’s tempting to reach for your credit cards and start spending. You can worry about paying them off next year, right? Holiday cash advance loans offer an alternative and a better one.
Holiday Cash Advance Loans Allow You to Plan Holiday Spending
Credit cards can get you into trouble too easily. It’s so easy to just use the card and worry about it later. But what happens in January when you’re facing big credit card bills that you can’t repay? What happens is that you end up holding on to that debt for months, paying off just the high interest fees. With holiday cash advance loans you get short term loans that you repay sooner. Get the cash you need to spend for the holidays and plan exactly how you use it. Unlike with credit cards you will find that you make a plan and stick with it when you know that you have borrowed a specific amount. Instead of having a big credit limit, you have a discreet amount to spend. You can plan your spending and know that you won’t get out of control and spend more than you should.
Holiday Cash Advance Loans Are More Affordable than Credit Card Debt
Interest rates on credit cards are high, but you may notice that interest on holiday cash advance loans might be even higher. There is a crucial difference, though. Credit card companies want you to hang on to that debt and keep paying hundreds of dollars in interest over several months. With holiday cash advance loans, you are expected to repay the money within a couple of weeks. This means you get to be debt free sooner, and you pay much less in interest than you would with credit cards. When it comes to financing the holidays, don’t be tempted to turn to credit cards. You can plan and control your spending and save on interest rates by using holiday cash advance loans instead of pricey, high-limit credit cards.