Our simple online form takes minutes to complete, which means you may connect with lenders in less time.
You may get approved for a personal loan regardless of your credit score or history. All credit types are welcomed!
You may receive a personal loan in your bank account from lenders as soon as next business day upon approval.
XmasLoans offers a free infomediary service that will attempt to connect you with lenders and financial service providers who may secure a personal loan for you. After you fill out the short and simple online request form, we work with our network of personal loan lenders to try and connect you with a lender. If we are successful in connecting you with a lender, they will provide you with all the material terms and conditions for the specific personal loan prior to acceptance. We encourage you to ask your lender any questions at this time. If you are unhappy with the terms of a loan from a lender, you are under no obligation to continue with the process. The best part is that our service is free!
A personal loan is an online loan ranging from $500 to $40,000 that can help you fund a large expense without requiring the use of collateral. Typically, personal loans have a set number of equal payments often due over a longer period of time. XmasLoans believes in creating an informed marketplace so that consumers can be educated on the products and services they desire and can make responsible decisions about what products or services are best for them. XmasLoans only works with reputable lenders in our comprehensive network and consumers are encouraged to contact us anytime with any questions!
Annual Percentage Rate (APR) is the annualized interest rate that you are charged on a personal loan. Because XmasLoans does not provide consumers with loans directly, it is very difficult for us to provide you with an exact APR that you might expect to pay on a personal loan. The loan interest rates are determined solely by your lender. APR is meant to characterize both the interest rate and the fees associated with a loan for an entire year. APR can vary significantly between various lenders.
Lenders which you may connect with on XmasLoans may perform credit checks with the three credit reporting bureaus: TransUnion, Equifax, or Experian, or may perform alternative credit checks or collect consumer reporting through alternative providers in an effort to ascertain your credit worthiness. If you successfully obtain a personal loan and do not repay your loan on time, your delinquent payment may be reported to a credit bureau, which could negatively impact your credit score.
Since XmasLoans works with a large network of lenders, it is very difficult for us to provide you with exact information on how long it takes to process a loan request or transfer funds. All credit decisions are determined by the lenders directly and we have no determination regarding timing. Typically, the whole process may be completed and you may receive your loan as soon as the next business day upon approval by your lender. For more information, we encourage you to contact your lender directly for more information.
Since XmasLoans is not a lender, we do not under any circumstance, perform any debt collection. The debt collection practices for the lender offering your personal loan will be disclosed in your loan documents. If you do not understand or have any questions about the collection practices used by a specific lender you should raise your concerns with the lender directly. We have made reasonable efforts to only work with well recognized and trustworthy lenders who employ fair handling in their collections practices for past due accounts.
XmasLoans only partners with and allows reputable personal loan lenders in our network. Although we are not a lender, we support all provisions of the Fair Lending Act, which require lenders to afford to consumer's fair, equitable, and nondiscriminatory access to credit. We also support all provisions of the Fair Debt Collection Practices Act enforced by the Federal Trade Commission. For more information and details, please visit our Responsible Lending page.
The owner of this website is not a lender or broker, its only financial connection to the providers of the goods and services referred to on the website is a marketing vendor. As such, we may receive compensation, in the form of a payment for each qualified sale or for each customer registration form we submit. The owner may also be advertising on behalf of a third-party advertiser with whom the provider of the products or services also has a financial connection with, in that both advertisers may receive compensation for each qualified sale or payment for each customer referral. Therefore, the amount of compensation provided, along with other factors, may impact the entity to whom we provide your registration form. Upon submitting a registration form, you may be redirected to the third-party website or contacted by the third-party for the product you have requested. We encourage you to review the third-party privacy practices and terms and conditions, which may differ substantially from this website. In the event you are provided a loan package, you should review and understand the terms of the product before agreeing to the same. This website and its owners are not affiliated with these third-party other than what has been described above. The owner of this website does not recommend or endorse any specific lender, product, or service on this website and this website does not include all companies or all available offers. You are encouraged to research all available loan and financial products and services offers for your situation.