Do You Need A Holiday Loan To Make The Season Start Off Cheery?
Every year around January 1st, one of the resolutions a lot of us make is that we’ll save better. We’ll set up accounts for different purposes – a vacation fund, a holiday fund, an emergency fund. And then fall rolls around and whatever we saved was all in one account and we spent it fixing the roof or flying home for mom’s birthday, and here we are once again facing the holidays with a shortage of cash. With a Holiday Loan in hand you can do whatever makes your holidays special – take your family home for Thanksgiving, throw a big party at Christmas, or make sure that all your loved ones get exactly what they want under the tree. The choice is yours!
You Qualify For a Holiday Loan Even If Your Credit Isn’t Great
In fact – let’s just be honest here – you probably qualify even if your credit is downright terrible! The reason is that the short-term lenders have a completely different set of criteria they use when evaluating an application than those used by traditional lenders. Banks and other traditional loans are offered largely on the basis of your credit score, which reflects your financial ups and downs over the past seven years. This might make sense when applying for a credit card you’ll have for a decade, or a mortgage you’ll be paying on for even longer, but why does the job-loss-related problem you had in 2009 matter when you apply for a 30-day Holiday Loan? It shouldn’t. As long as you currently have stable employment, issues you’ve had in the past aren’t really relevant. Maybe you do switch jobs every couple of years, or had some trouble keeping up with your credit cards for a while. As long as you have steady paychecks coming in for the next month or so, short term lenders can feel comfortable that they’ll be repaid on time.
Look How Easy It Is To Get A Holiday Loan!
Since short-term lenders moved the whole process online, holiday loans are easier than ever. You can apply at any time of the day or night since a website never closes – and neither do the lenders. No matter what time you apply there will be someone there to process the application. The form itself is made of of just a few brief sections checking on the most basic information – name, address, personal identification numbers, job, bank account. No questions about your current monthly bills, or requests for credit references, names and addresses of those you make payments to each month. It’s kept as simple as possible – and it’s fast, too. You’ll have an approval in less than two minutes, right there in your browser. All the terms and conditions documentation will be made available to you to review, and if the interest rate and amount and payments are acceptable you can sign electronically and the deal is done. From t here it’s a simple matter of having the funds disbursed to your bank account. Repayments will be scheduled at this same time as well, to be drafted from the account on your next several paydays, so you don’t have to remember to make or schedule payments. Everything is done for you to make it as simple as possible!