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It's time to begin planning
your holiday funding.
Apply for a Christmas credit card
or for a Christmas personal loan





Annuity - Learn about annuity investments.

Balance checkbook - How to balance a checkbook and download our free checkbook register software.

Bank checking account - How to read a bank checking account statement.

Business loan - Get funding to start a small business or to finance a corporation.

How much money can I borrow - Input the amount you can afford to repay, whether bi-weekly or monthly installments, and the calculator will review the maximum loan amount you can afford to payback.

Card interest rates - Get current credit card interest rates from major issuers.

Card & Loan calculators - Calculate credit card interest, mortgage payments, home refinancing, and to manage and track expenses budgets, plus create a household budget.

Checkbook Register - Free CheckBook Register Software to Manage Expenses

Christmas credit card - Apply for a Christmas credit card to make gift purchases.

Christmas credit card debt - Options on how to get help with too much Christmas credit card debt.

Christmas credit card shopping - Tips for safe shopping with your credit card.

Christmas gift cards - buying, selling and trading retail store gift cards. Buy discounted cards or sell gift cards for cash.

Christmas personal loan - short or long term personal loan with monthly installments to purchase Christmas gifts.

Consolidate student loan - Apply to refinance student loan debt for a lower interest rate and payments.

Counterfeit money - Spot counterfeit money and report fake money to the govt.

Create a will - How to create a will yourself and prepare a living will.

Credit card statement - How to read a credit card billing statement.

Credit and divorce - How divorce affects your credit score and bill payments.

Credit and loan prequalification - Prequalify for credit cards and loans based upon your credit score.

Espanol credito - Obtenga el crédito y los préstamos financieros. Algunos abastecedores del crédito no tienen traducción española. Tarjeta de crédito.

File bankruptcy - How to file bankruptcy, chapter 7, 11, 13.

Financial calculators

Free bank checking account - Apply for a no fee, online bank checking account.

Free bankruptcy forms - Free online chapter 7, chapter 11 and chapter 13 bankruptcy forms.

Free calculator downloads - Free financial calculators and software for budgets, interest, payments, and more.

Free checking account - Free internet checking accounts.

Free credit check - Rate your credit based upon your personal history.

Free credit offers - Financial newsletter membership for free credit offers by email.

Free IRS tax calculator - Quickly and easily calculate your estimated taxes and withholding.

Free money and gov grants - Instant access (no registration and no credit card) to government grant programs and applications.

Free online tax return filing - Qualify for free tax return filing.

Government debt consolidation loans - Truth about government loans to pay bills.

Government grant - Instant access to Government grant applications with no registration required.

Government assistance - Apply for government assistance programs.

Government grants for disabled - Apply for disability grants.

Government grant federal unclaimed money - Locate and claim unclaimed money.

Government grant foundations - Check to see if you qualify for a grant.

Government nontraditional grants - Review other types of grants.

Government pensions - Information about government retirement plans.

Government private grant foundations - Search for a grant from other foundations.

Government unclaimed funds - See if you are entitled to free money.

Government unclaimed money - See if someone owes you a refund.

Government veteran grant - Veteran grant programs.

Government women education grant - Educational grants for women.

Insurance - Get online quotes for life, home and auto insurance.

Interest Rates - Get current interest rates for loans and credit cards.

No collateral business loan - Quick cash for small businesses.

Personal budget - Download our personal budget software.

Personal budget software - How to use our personal budget software.

Personal finance - Keep track of personal finances with our services and resources.

Personal finance newsletter - Free personal finance management tips and special credit offers.

Plan retirement - Prepare for retirement with our tips.

Question and advice - Free online help, just submit your question and get an answer.

Reminders to pay bills - Free reminders so you pay bills on time.

Track expenses - Free software to track where you spend your money most.





Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.

Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.


Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.


Debt Counseling: Nonprofit credit counseling, unsecured debt consolidation or free debt settlement.


Free Credit Offers: Get no obligation credit offers and receive alerts and tips to manage personal finances.


Home Loan: Stop paying rent and live the American dream.


Mortgage Refinancing: 2nd mortgage loan for remodeling, equity cash out or a debt consolidation loan.


Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.


Personal Loan: Short or long term personal loan.


Personal Finance: Create a personal budget, balance a checkbook, file bankruptcy and more.


Free Help: Personal finance newsletter, credit advice and tips.


Interest rates: National averages of credit card, mortgage, refinancing and auto loan interest rates.



U.S. Consumer Credit Applications - Click Choice to Preview Financial Offer


Personal Loan  Short and Long Term, Secured and Unsecured (as available)

Credit Card Match  Secured, Unsecured, Rebuild Credit and Rewards

Debt Relief  Credit Counseling, Debt Settlement and Consolidation

Credit Report  Fix Credit Report Errors and Improve Credit Score

Mortgage Loan  New Home, Equity and Refinance

Auto loan  New, Used and Refinancing (as available)



Can I get approved for a credit card or loan? Look at your credit approval worthiness from a creditor's point of view to help you figure out if you qualify before you apply.

  1. Do you clearly have the ability to repay the loan. Do you have adequate income and steady employment.

  2. Do you have assets, such as savings and checking accounts, CDs, personal property, real estate, etc. If so, this shows creditors that you have financial stability.

  3. Do you have too many; or too much, liabilities like credit cards, installment loans, child support or alimony to pay.

  4. Do you meet obligations, such as making all payments on time, have a good credit report, etc.


Comparing various credit offers can not only be confusing, yet also quite time consuming. Referring to forums and advice boards are not much use either, as you cannot verify the truth of any statements as they could have been submitted by a representative of a credit company.


When considering credit cards, the pros and cons of each one can make your head spin. There are secured, unsecured, pre-paid and debit cards. Among those there are different issuers all with differing terms, fees, rates and rewards. Some cards are reserved for excellent credit applicants and some are designed to rebuild credit. Many people dedicate vast amounts of time comparing cards only to discover after they apply that they are not qualified and their application is rejected.


Auto loans may not have as many variables, yet there's a huge advantage of networking to find the absolute lowest interest rate as well as a great deal. Requesting multiple free quotes with no obligation can make the lender choice easier.


Personal loans are not all alike, as they can be secured or unsecured, with either short or long term repayment periods with monthly installments. Even the simpler payday advances. are comprised of lenders with varying interest rates and fees to be compared, in addition to finding one with a good customer service record. There are also some payday lenders who offer longer repayment periods than the typical two weeks. As for large personal loans, based upon the lender there are both secured and unsecured types.  High amount personal loans with long term repayments have their own interest rates and fees to consider.


Best lenderpreviews consumer credit offers in an effort to make comparing, choosing and getting an approved application easier for the consumer. In some instances, it can be highly beneficial to use a free matching service to find the credit you need and qualify for without unwanted hard credit pulls. In some instances, you can get pre-approved with only soft pulls, or with no credit report reviews whatsoever.



Gppd lender makes it easier for underserved consumers to locate and obtain the financial assistance they need.


Secured and Unsecured Credit Card Offers



Good or Bad Credit Personal Loan Application

Apply for a bad credit unsecured loan with no credit check or a personal loan of up to $10,000. A payday loan offers instant, guaranteed approval and is ideal as an emergency cash loan. A long term personal loan offers lower interest but requires good credit. Compare benefits of a short term and a high risk loan and submit an online application.

(Offers as available depending upon lender participation; subject to change)




GM Card: Since GM initiated its automotive credit card program in 1992, more than 5 million consumers have redeemed their GM credit card earnings. This successful credit card program allows users to earn 5 percent on all purchases with no limit, and with no annual fee. However, your GM card earnings may be redeemed only for new GM vehicles, which are subject to varying redemption limits. For example, a Cadillac SRX has a $3,000 redemption cap, while the hot-selling Cadillac Escalade has a $1,500 limit. The GM credit card gives you the highest return of any automotive credit card, but the redemption restrictions may prevent you from taking full advantage of your accumulated rebate dollars.

VW credit card: Volkswagen Platinum Visa with Rewards Card. For every dollar spent on the Volkswagen Platinum Visa (subject to a $500 annual earnings cap), you receive one point that can be used toward Volkswagen purchases (new vehicles, accessories, service and parts). If you're a hard-core VW fan and wish to wear your VW on your credit card, then this is the card for you.

Zales credit card - With credit approval†, buying jewelry is easy with the Zales Credit Card. It is accepted at all Zales and Zales Outlet stores nationwide as well as online at The Zales Credit Card comes with a host of special benefits and protection. * $0 liability on unauthorized purchases * Optional credit insurance * Online services, including account management, statements, unbilled activity and faster payments * Use your card at Zales Jewelers, Zales Outlet and online at

From 2 weeks up to 90 and 100 day payday loan terms can be acquired on the internet, or even through a local cash advance store. The latter are referred to as extended payday loans. The largest payday loans can range up to $2,500 or as high as a $5,000 combo cash and line of credit. Cash unsecured loans have certainly expanded their services, yet due to the lender's high risk none offer an unemployment payday loan as they lend only to people with the ability to repay. For that reason some lenders of payday loans contact your employer for job verification.

No gimmick payday loans - the best way to find a legitimate payday loan lender is by referrals and recommendations from people you know and trust. Don't always rely on the customer testimonials posted on a lender's web site, unless those claims can be validated. And don't trust comments on payday loan forums, either. Another way to validate a lender, is by checking the BBB for complaints, and to deal only with websites that have been operating actively online for multiple years. Most payday loan scams come from short-run, hit-and-go websites that quickly fold after a few weeks or months.

Secure payday loans are loans that require collateral such as a car title loan; which is different than a car refinancing loan. If you want installment payday loans, you'll need to find a lender who offers payback beyond the standard 2 weeks. Yet these monthly payday loans rarely extend beyond a couple of months. Even the most long term payday loans have a shorter payback period than a secured personal loan. If your primary concern is getting low fee payday loans, work out the math. Long term payday loans do not always offer the lowest total cost per dollar borrowed.

Christmas Loan and Credit Card Financing - For many holiday shoppers, they'll have a choice between obtaining a cash personal loan or an unsecured credit card to purchase their Christmas gift shopping.

Which is best? That depends on the type of loan or credit card. As for loans, a long term personal loan has far less interest and an easier repayment plan. In regards to unsecured credit cards, there can be a tossup between rewards cards vs those with no rewards yet very low interest rates or an introductory period.

The best strategy for a personal loan with monthly installments is to get only the amount you actually need, and to setup a repayment term as short as possible. If you choose this option, aim for a loan you can easily repay within one year (12 installments). There are two reasons for this: 1) To reduce interest costs and 2) Why still be paying for one Christmas over three or more Christmas'?

Some personal loan lenders may offer you a grace period of 90 days before you must start repaying the loan. Even if this is offered to you, you should still start repaying the loan within 30 days of obtaining it. Each month, add a little extra payment towards the principal. In keeping with this, you'll need to ensure the lender does not charge any early payoff penalties.

Typical qualifications for a long term personal loan are:
No late payments in the past 90 days
No bankruptcy in the past 7 years
Ample income to repay the loan VS debt owed
Active employment for the last three years

Instead of paying interest, it's possible to earn money by choosing an unsecured credit card for Christmas shopping. A rewards card that generates cashback for purchases, plus has a 90 day 0% interest introductory rate can stuff your purse or wallet with much needed cash. Of course you'll need to payoff the full charges within the intro period in order to make out like a bandit.

For shoppers who patronize a particular store, they could obtain a card which offers the maximum cashback for purchases at certain retailers.

Yet there's another great advantage to using a credit card vs a loan... a credit card offers purchase protection and/or extended warranty coverage at no extra charge.

Finally, there's the security issue. If you obtain a cash personal loan, you'll be an open target for thieves, whereas your liability is limited to no more than $50 with a credit card.

Credit Union Christmas Signature Loans: Star Credit Union Signature Loans - Whether you are thinking about taking a much needed vacation this year or looking for a little extra money to make the holiday season just a little merrier, STAR Credit Union has loans for all seasons. Please see a Loan Officer for a personal Christmas loan to fit your needs. Altonized Community Credit Union Signature Loan - Do you need to consolidate some debt or do you need to make some repairs around the house? Whatever the purpose, Altonized has Signature loans available with a maximum of up to $7,500 (depending upon Credit Score). Additional money is also available with a Cosigner. The terms are negotiable and the interest rates could be AS LOW AS 8.9% APR. Rates and Limit is dependant upon Credit Score. Rates are subject to change. There is a $5 Loan Application Fee when applying. Contact a Loan Officer at 618-466-3884 or 800-421-4759 for more Holiday Signature Loan information. Altonized offers 2 different Christmas Loans starting in October through December. The terms vary depending on your credit worthiness. Contact the Loan Department for further information.

MWRD Employees Credit Union Chistmas Loan - For those holiday extras, don't run up the balances on your high interest credit cards-you'll regret it later! Our low-interest holiday loan applications are available after November 1st each year. Make sure you're ready early with a low-interest solution for your extra shopping, dining, celebrations and entertainment! Contact us for a worry-free holiday-to-remember. Kennedy Space Center Federal Credit Union Christmas Loan - A Signature Loan can be used for many purposes such as home repairs, a vacation, a computer purchase, taxes and more. There are several benefits of a KSCFCU Signature Loan: * No application fee * Low rates * Simple interest * Payroll deduction * No prepayment penalties * Low cost Payment Protection. Ask about our Line of Credit Signature Loan. Throughout the year, we will offer "special" types of Signature Loans for a limited time. Please contact a Loan Specialist today for more details.


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