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Christmas Personal Loans

Short and long term

          

             

  

  

Payday Personal Loans: Submit an online personal loan application. Good credit people may qualify for a large limit personal loan of up to $10,000 or more. If you qualify only for a very bad credit personal loan, compare various pre-approved loan offers from lenders who approve no credit check loans with online instant approval.

Loan Application Rejected? If your bank denied you for a long term unsecured personal loan with monthly installment payments because of your credit problems, consider a short term loan or other guaranteed loan. Perhaps you can borrow from multiple unsecured personal loan resources to get the large cash limit you need.

Don't forget that there are secured as well as unsecured loan providers. You could get a small unsecured cash loan or a large secured personnel loan using an asset as loan guaranty.

Fast Payday Loan: When you need money quick with no collateral and no credit check, consider an unsecured high risk loan. Between paydays, this is a good alternative as a short term loan to pay bills or as an emergency loan to pay unexpected expenses like a car repair. Learn the benefits of payday advance loans and common uses, and review alternative unsecured cash loan options including loans for unemployed people and small business loans.

Payday Loan Interest: A payday advance has no interest structure because it charges a fee versus an APR. Some borrowers often use a payday loan to repay a payday loan from another lender, or to roll-over their existing loan term. Before you apply online for a personal loan, carefully review all terms and conditions. Browse for more payday and personal loan resources.

  

If you want to lend a friend or family member a person-to-person personal loan, use our free personal loan calculator to determine monthly payments.

  

Unsecured Loan - Get up to a $10000 unsecured loan with good credit or up to a $1500 bad credit loan with no credit check.

Payday Loan Benefits - Many of us occasionally run short on cash because of unexpected bills, emergencies, accidents, illness and other reasons.

Personal Loan - Apply online for an unsecured personal loan, and learn the pros and cons between a Personal Loan and a Payday Loan for bad credit people.

Payday Loan Lender Information - Payday Loan Lender Information: A payday loan, also called a cash advance or a personal loan, provides a small, unsecured, short term cash loan in advance of payday.

Bank Payday Loan Lenders - Banks Associate with Payday Lenders. Since consumers often need a small, short term loan but many do not qualify for a tradictional, long term personal loan, the number of banks are providing payday advances through agent assisted loan programs is increasing.

Bad Credit Personal Loan FAQs - Learn about and apply online for a bad credit personal loan.

Unsecured Bank Loan - The Community Financial Services Association of America (CFSA), the national voice of the payday advance industry, has a stringent set of guidelines for agent-assisted bank loan programs. Members use the guidelines when partnering with banks to provide short-term, small denomination loans.

High Risk Personal Loan Application - Do you have bad credit and are looking for a high risk personal loan application?

Credit Union Payday Loan - Credit Unions offer their own loan program version of a payday loan.

High Risk Cosigner Loan - High risk cosigner loan facts, and how to avoid having good credit turn to bad credit.

Highly Personal Loan Lending - Personal loan lending is becoming increasingly personal as more people offer person-to-person loans even to those with bad credit.

Private Party Personal Loan - More private lenders engage in offering an online personal loan.

Unsecured Personal Loan Risk - Payday personal loans are designed to offer fast cash to bad credit people on a short term basis, yet such unsecured loans can have a long term impact without timely payoff.

Unsecured Loans Making Bad Worse - High risk unsecured loans offer easy cash even to bad credit people. But if not paid off timely, the short term payday loans deepen debt fast. Desperation to pay off monthly bills can put personal finances at risk. Payoff higher priority debts and charge off lower priority.

Secured Unsecured Low Interest Loans - Low interest rates abound, for both secured loans and unsecured loans. Get a loan to payoff bills at higher rates and improve personal finances, or to take that well-deserved vacation.

Personal Loan and Cash Advance - Differences between a traditional unsecured personal loan and a payday cash advance, history, and where to submit a bad credit personal loan application.

Bad Credit OK Loans - Though the credit crisis has reduced financial options for subprime people, some lenders do still offer 'Bad Credit OK Loans' and you can apply quickly and easily online.

Bad Credit Payday Loans Offer Unsecured Cash for Poor People - The federal government proposes changes that could completely terminate bad credit payday loans, though this financial option offers unsecured cash for poor people.

High Credit Risk Areas - You may be a high credit risk because of where you live, but thankfully there is still an unsecured, no credit check loan option.

Unsecured Payday Advance or Loan Shark - Who will poor and bad credit people turn to for emergency loan funds if government legislatures ban payday loans? Compare unsecured payday advance personal loans to those of loan sharks.

No Credit Check Bad Credit Loans - Apply for a no credit check bad credit loan. Review government legislations to control subprime interest rates and fees. Did you know, it is in the interest of the lender to offer you the lowest rate and least fees as possible?

Personal Loan for NonHomeOwner - The options for an unsecured personal debt consolidation loan, the people who qualify, and alternatives for both good and bad credit people, homeowners as well as non homeowners

Unsecured Personal Debt Consolidation Loan The options for an unsecured personal debt consolidation loan, the people who qualify, and alternatives for both good and bad credit people, homeowners as well as non homeowners

Bad Credit Lenders Facing High Risk Banks across the US report bad credit loans are adding to the high risk mortgage problems

Personal Loan Application A personal loan application is easier than ever, but consumers are using them less

Payday Debt Consolidation Loan Whether you want a payday loan to pay off bills or if you want a debt consolidaton loan to repay cash advances, consider these options

Payday Loan Fair Credit Borrowing Do payday loans offer more equal opportunity lending when compared to the approval process and interest rate determinations of other loans?

About Payday Advance Loans How payday loans work and the advantages for the borrower

Bad Credit Payday Loans are good for the Econom by stimulating it with new purchases and paying bills. Apply for a no credit check payday advance

Bank Emergency Loan Program - The federal government extends an emergency loan program to give banks access to more long term cash loans.

Emergency Loan Funding - Free credit tips for emergency loan funding. Cover urgent expenses with a short term payday loan, long term equity loan, borrow money, reduce bills or negotiate repayments.

Need Loan to Pay Bills - Solutions to cover expenses.

Online Loan Convenience - Online loans; particularly unsecured personal loans, are the quickest and easiest way to get cash fast. 

Payday Cash Loans - Why payday personal loans are a popular financial choice: The loan process is extremely simple, and qualification is easy.

Person-to-Personal Personal Loan - Do you; or a family member, need to borrow money from one other? For such very personal loans among family and friends, consider this advice.

Looking for a no bank account personal loan? There are benefits when these two are combined.

Private lender, person-to-person personal loan agreement.

Bank checking account personal loan installment payments and other facts.

Largest Unsecured Personal Loan

Loan without Checking Account Routing Number

Payday Loan Problems / Complaints

Payday Loan without Working or Work Verification

Personal Loan with No Fees Upfront

What are Alternatives to Payday Loans

  

  

   

    

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.
  

                 

 

Personal Loan

  • Personal loans from $1,000 to $25,000

  • Interest Rates 50% Lower Than Big Banks

  • FREE loan quote

Unsecured Personal Loan - good credit people may be eligible for an unsecured personal loan of $10,000 to $20,000. Submit your online application.

  

Bad Credit OK

Good Credit Only

  

Some personal loan applications are limited to $1,000 maximum, but if you have good credit you can qualify for a $10,000 or even up to a $25,000 unsecured personal loan (as available). Review the offer requirements and apply online.

   

Sample Personal Loan Application Questions - Typical form fields lenders ask information about.

  

Title, First and Last Name

Street Address Apartment #

City State Zip Code

  

Time at address

Primary Phone

Best Time To Contact

Email Address

Date of Birth

Social Security Number

 

Co-Signer Name (if applicable)

Co-Signer address

Co-Signer SSN

Co-Signer Date of Birth

 

Employer Name

Employer Address

Employer Phone

Time Employed

Monthly Income

  

Loan Amount to Borrow

Your Bank Name

BAnk Account Number

  

Credit Reference Name

Account Number

  

Sample Personal Loan Application Cover Letter

[DATE]

[NAME OF LENDER]
[STREET ADDRESS]
[CITY, STATE ZIP]

Attn: Financial Officer

To Whom It May Concern,

I would like to obtain a personal loan in the amount of $10,000. The loan will be used to payoff high interest credit card debt. With the high monthly credit card payments ended, I will have no problem repaying the loan.

I have been a longtime standing member of this [BANK, CREDIT UNION] and have an open [TYPE] account with you. I have included a reference below.

[REFERENCE COMPANY NAME]
[ADDRESS]
[CITY, STATE ZIP]
[TELEPHONE NUMBER]
[TYPE OF ACCOUNT]
[CURRENT ACCOUNT STATUS / OPEN IN GOOD STANDING / CLOSED]

I am employed full time at [COMPANY NAME] where I have worked for [TIME FRAME]. I have stable employment and a good credit history.

Please contact me at your earliest convenience to discuss this matter further. I can be reached anytime at [TELEPHONE].


Sincerely,


[YOUR FULL NAME]
[ADDRESS]
[TELEPHONE NUMBER]

  

  

Sample Personal Loan Letter for Employer

[DATE]

[NAME OF EMPLOYER]
[STREET ADDRESS]
[CITY, STATE ZIP]

ATTN: [BOSS NAME]

Dear [SIR or MAAM],

It is with great anticipation that I am requesting an advance on my salary of the amount of $5,000.

The advance in salary will help with an unexpected {MEDICAL, DENTAL, OTHER] financial burden. Relieving this debt will remove a great burden from me and my family. I will eagerly repay with terms agreed upon, and volunteer for automatic withdrawals from my salary until the loan is repaid in full.

Your kind consideration is highly appreciated.


Sincerely,

[YOUR FULL NAME]

  

  

Unsecured Personal Loan Company Applications by Telephone and Online:

Bank of America Unsecured Loan: Easy applications get you on your way. Auto Loans; RV Loans; Boat Loans; Aircraft Loans; Practice Loans for physicians, dentists and veterinarians; Access Loans for people with disabilities.

Chase Unsecured Loan: An individual may wish to seek a unsecured Chase loan to avoid placing any personal assets at risk. For example a secured loan often requires home equity as collateral, this effectively puts the individual's home at risk if repayments are not met. The Chase Bank will be able to advise on the circumstances where a secured loan is required over an unsecured loan but normally unsecured personal loans are provided to individuals who wish to carry out home improvements, home repairs, buy a new car or send the children off to College. Chase provides online responses to unsecured personal loan applications; Fixed and variable loan rates are available; Competitive loan interest rates; Quality service and security; Numerous loan application options; and online loan and interest calculator to help assess loan requirements.

Capital One Unsecured Loan: Applying online is easy, secure, and only takes about five to ten minutes. A Capital One Bank® personal banker will contact you by phone and/or e-mail within 48 business hours to review your request. Remember: * You must be at least 18 years of age and a legal U.S. resident. * All applicants are subject to review of past account handling and verification of the information provided.

Alliant Credit Union Unsecured Loan: Quick and Worry-Free Unsecured Loan - Do you have an unexpected expense or urgent large purchase? Alliant can help with our no-hassle Unsecured Loans. * As low as 11.90% APR; * Ideal if you need a set amount of immediate funds; * Peace of mind in knowing you have set terms and monthly payments; * No collateral required; * Loans amounts from $500 to $50,000; * Quick approval process with funds available the same day, in most cases; * No prepayment penalty; * Convenient automatic payment or monthly coupons.

Discover Unsecured Loan: Simple interest is the least complex way to calculate interest and usually results in less interest charged as compared to compound interest which is typically used by credit cards. Simple interest is calculated on the outstanding principal only. Compound interest is calculated each period on the original principal and on accrued and unpaid interest. Personal loans are simple interest loans. There are NO FEES or penalties charged on a personal loan if you make your payments on time. We may change a $39 fee if your payment is late or if you do not have sufficient funds in your bank account to cover a payment made. However, we will not increase your interest rate if this happens.

HSBC Unsecured Loan: When you need cash to manage personal expenses beyond your budget, a personal loan from HSBC can help you get the money you need, even if you have poor credit. (HSBC is a group of financial institutions named after the founding organization, the Hongkong and Shanghai Banking Corporation Limited.) HSBC personal loans are offered from two major loan providers: Beneficial and HFC. Both of these entities offer competitive rates on personal loans, though they have different sets of eligibility criteria.

TD Bank Unsecured Loan: Having the money you need to do the things you want is a great feeling. Whether buying a car, taking a vacation in a new RV, cruising in a new boat or making home improvements, we have a loan product that can make it possible. Available Personal Loans: We can help you with a range of loan products, whatever your need: * Automobile Loan; * Recreation Vehicle/Boat Loan; * Collateral Loan; * Personal Unsecured Loans; * TD Moneyline Overdraft Protection.

US Bank Unsecured Loan: You'll have the money you need, whenever you need it, at a competitive interest rate. U.S. Bank customers can enjoy instant access to funds on an ongoing basis with the U.S. Bank Premier Line unsecured line of credit. With a U.S. Bank Premier Line of Credit, you'll enjoy: *Generous credit limits: *Competitive Annual Percentage Rates, currently as low as 9.25% to 13.25%; *No annual fees; *Convenient, ongoing access to your funds via; *Premier Line Access Checks; *Visa® Platinum Access Card; *Branch tellers; *24-Hour Banking

Wells Fargo Unsecured Loan: Why get a Personal Loan? A Personal Loan offers a number of advantages: * Immediate funding—you'll know if you qualify for the loan within hours, and usually have the funds the next business day; * Simple application—you won't have to deal with a complicated application; * Fixed term, fixed rate — you know exactly how much you'll pay each month, making it easy to budget; * Low minimum loan amounts—borrow as little as $3,000. A loan is a smart way to consolidate high-interest rate balances under one monthly fixed rate, fixed term payment. You may be able to pay less over the term of your loan, reduce interest costs and increase What's Left each month. A Personal Loan gives you access to funds at a lower cost than high-interest rate retail cards. Why choose a Wells Fargo Personal Loan? We want to see you succeed financially. Call one of our bankers any time, day or night, to talk about your options — 1-888-667-5250. 
 

 

Read our latest article related to a personal loan or search for other personal loan information.



Banks That Offer Signature Loans

Wells Fargo signature loans are one of the best loans you can get. Think about it, you get one of the strongest, oldest, and most reliable banks in the nation and a loan that requires nothing more then a credit check and a signature. If you're going to get this type of loan, it's probably wise to get it from a reliable bank. That will save you a lot of hassle in the future. If this sounds like something you might need then read on.

Signature loans are simply non-collateralized loans. Just like a credit card company can not repossess anything a signature loan works in much the same way. This is nice as you can then leverage yourself up more depending on what you are doing. Developers love signature loans because while they are working on one asset backed project they can also do a non backed asset which when they are right gives them more bang for the buck. Of course the downside is that if you are wrong you will blow up, industry parlance for lose it all, and then the bank will be less inclined to lend you money in the future.

Because signature loans are backed by nothing but good faith most banks will only of them to people that have good credit histories and that have a long record of paying off their debts on time. But this is just at regular banks and lending services.

Over the past several years we have seen a resurgence of alternative lenders. Some are very good while others are extremely poor and abusive. For instance some payday lenders will lend you money and claim it is a signature loan but by the time you have done everything and filled out the paperwork you have given them the title to your car and seemingly given them your first born. Because of industry abuses like this many people want signature loans from good lenders such as Wells Fargo, Bank of America, and other large established banks.

Wells Fargo signature loans are very good for the simple reason that Wells Fargo is a good bank and is not predatory. They give you the terms and if you qualify for them all you do is fill out the paperwork and they give you the agreed upon amount of money. Of course because they don't rake you over the coals as they lend you the money they also do have limits as to how much you can borrow. A Wells Fargo signature loan is generally capped at a few thousand dollars. Of course since each situation is different you may get more or less.

Once you have gotten your loan, or any other loan for that matter, it is important that you are responsible and pay it off according to the terms you signed on for at the time of the loan closing. The worst thing you can do to your credit is to not pay your debts off on time and default.

Signature Loan Terms: The interest rate for these loans at Wells Fargo start at aout 11% interest. There are lots of ways that you can get cheaper money but if you don't have collateral this is a good way to go. If you would like to get one of these loans the best thing to do is walk into your closest Wells Fargo. You're going to want to tell them that you need an unsecured personal loan beause that's what they're called there. They will be able to tell you quickly if you're approved and off you'll go.


Bank of America signature loans, like most other signature loans are typically used when you need some money pretty bad. This is because you will typically be charged above market interest rates. In fact many times you will pay more in interest with a signature loan then you will with a credit card. This of course depends on a lot of factors including your credit rating and your employment history.

The reasons for this make sense as all the bank is getting from you is your signature and your supposed good faith. While you may be the best borrower in the history of borrowing the bank has no way to know this aside from your credit report.

In fact due to the nature of a Bank of America signature loan they are also often referred to as good faith loans, character loans, and the most accurate terms like unsecured loan, un-collateralized loan, and non asset backed loans. As you can tell with these types of names signature loans are riskier for the banks and therefore they charge a higher interest rate so that they can make up for the money that they lose on non performing signature and other loans.

Most of the time you're going to be asked to pay at least 10% on an unsecured loan from this bank. Yes, signature loans are considered to be unsecured because there isn't any collateral to back the loan. If your credit is poor you can expect to pay interest rates that are even higher, possibly as high as 16%.


Community Bank Signature Loans provided by Bank of America have terms which vary according to the amount you borrow. The minimum loan amount is $1,000.

No Pre-Payment Penalty: All loans at Community Bank are simple interest with no pre-payment penalty. This means you only pay interest on the unpaid balance. If you pay more than your scheduled payment, or pay the loan off early, you can lower the total cost of your loan.

Easy Monthly Payments: Your monthly loan payment can be deducted automatically from your Community Bank Regular Checking, Interest Bearing Checking, or Savings Account each month. Customers with automatic loan payments receive a .25% discount on their interest rate.


Capital One Signature and Installment Loans are for applicants with good credit and who want a personal loan or to open a personal line of credit.

The interest rates for unsecured loans are often very high, usually higher than the interest rate for a HELOC (which is a type of personal loan that is secured by your home). Because of the high interest rates associated with personal loans, they are best used for expenses that you intend to pay off quickly.

Most personal loans are set up as installment loans, which means you repay the loan over time, with a set number of scheduled, fixed payments (usually monthly). Most people who take out personal loans plan to pay them back in 12–18 months.

A personal loan can be used to help with things, such as Consolidating your debt into one loan; Paying for education; Making home improvements or Paying medical bills.


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.





First Credit Union Personal Loan Information: Borrow for less and save for more. Our loans have great interest rates, no fees, and easy repayments. If you're after a new car loan or have some credit card bills to clear up, we can help you!

Apply for a personal loan online now and get a quick answer in one business day or apply at one of our branches.

Apply today and you'll have an answer in one business day, provided all necessary information is received. Our online personal loan application is easy and will only take around 15 minutes. Start now!

Personal Loans Calculator: Our online personal loan calculator can help you find out how much your repayments may be.

Debt Consolidation: Take control of those bills and credit cards with a debt consolidation loan! We can combine all of your debt into one easy to manage personal loan. Apply for a personal debt consolidation loan today - you will be in control of your debt in no time!

Home Loans: Looking for your first home or refinancing? A First Credit Union home loan could suit you! We can pre-approve your home loan before you start looking so you know how much you can spend.

Overdrafts: If you're a member with us and find yourself a bit short of cash or have unexpected bills you need to cover, we may be able to offer you an overdraft.

Car Loans: Looking for a new car? Why not get a pre-approved vehicle loan with us and you'll have more bargaining power with the dealer and know exactly how much you can spend! You'll be driving away in your new car before you know it!


Choice Personal Loans Information: Choice Personal Loans is a direct lender network that specializes in arranging low rate personal loan programs for people of all credit types. No collateral is required. Borrow as little as $100 to as much as $35,000. We are able to approve requests for bad credit personal loans that will normally get denied by traditional lenders. Obtain the money you necessitate in a few hours without ever leaving the comfort of your home

There is no application fee for personal unsecured loans and your privacy is always guaranteed 100% secure. Upon submission of your request, one of our lenders will be getting in touch with you promptly with the potential of granting you an instant approval. Once an approval is achieved, your personal loan rates and terms will be determined and a custom finance package specific to your requirements and budget is put together. Instant good and bad credit loans for every personal and business need!

Some of our lenders are able to provide applicants the choice of having their cash delivered by check via guaranteed overnight certified mail or having their funds deposited directly into their bank account! If ‘direct deposit’ is selected, it is probable that you will be able to obtain your money within hours from when you apply for a personal loan. You can accomplish your financial goals in less than one day! Other lenders may take 24 - 48 hours for funding to become available.

Choice Personal Loans has experienced finance specialists that offer quick responses to all inquiries and will analyze your credit history to conclude if applying for a personal loan is your best option.
 
 


Unsecured Christmas Loan - Copyright © HolidayPayday.com: Are you in need of Fast Cash for the Holidays? If so, applying for a Payday Loan is fast and simple at HolidayPayday.com. If you are feeling the pinch financially, there is no more convenient, hassle-free way to acquire Fast Cash than with our payday loans. We want to help you enjoy a stress-free holiday season. No Faxing, no Problems. Does submitting an application obligate me to take out a loan? No. Submitting an application is simply a request for approval from one of our agents; and for the agent to contact you to discuss your payday loan options. You may ask us any questions and withdraw your request if you so choose. If you are ready to proceed, you may confirm your information and officially agree to terms with one of our representatives. What if I have bad credit? As we do not perform credit checks, bad credit will not prevent you from receiving a payday loan at www.holidaypayday.com. Our friendly managers will work with you, even if you have been turned down by other lenders.



Digital Gift Cards for Christmas Presents

The popularity of store gift cards is rising each year, as many people consider these as the most likely way to give a gift the person would actually use. As with most all purchases; however, some gift cards are better than others.

Comparing gift cards can be time consuming, particularly since stores will ramp up their card promotions during the holiday season. Some retailer ecards or digital gift cards can be used both online or in store, so be sure to which offers more flexibility.

Some retail stores; such as JCPenney's, offer e-gift cards which can be emailed within minutes to you or the recipient. They also offer shipping on a specific date and the buyer can customize the egift card with a message, a photo or even a video at no extra cost.

ECards offer another benefit over hard plastic gift cards... they can be accessed through mobile apps and email applications, whereas a regular gift card may easily be lost.

Certainly there's also a benefit for the retailers. In addition to making sales value equal to the card, some shoppers will actually end up spending beyond the value of the card thus earning more revenue for the store. That's why the aggressive gift card promotions begin quite early as the holidays approach. Some stores offer extra ways to obtain gift cards versus simply buying them outright. CVS; for example, has a program which their customers can earn a $10 gift card for places like Macy's or Darden restaurants if they spend $30 or more during a time period on specially marked items in the CVS circular. Kmart's offering members $15 off the next purchase when they buy $250 or more of Visa gift cards.

Gift Card Shopping Tips:

  • Check for any upfront fees for general purpose gift cards, including charge shipping fees.

  • Make sure protective stickers are intact and verify that nothing was scratched off to reveal a PIN number.

  • When giving a gift card, try to include a gift receipt to verify the card's purchase so the recipient can prove the card's validity should any problems arise.

Facts:

  • Per the Federal Trade Commission, money on a gift card cannot expire for at least five years from the date the card was bought, or from the last date extra money was added onto the card. If the expiration date listed on the card is earlier than these dates, the money can be transferred to a replacement card at no cost.

  • Be wary about buying gift cards from online auction sites. The FTC recommends avoiding buying gift cards totally on auction sites because the cards may be counterfeit or may have been obtained fraudulently.

  • If a restaurant or coffee house closes a store near the recipient, it may be hard to find another spot where the gift card can be used.

 

 



Holiday Gifts for Poor Families - Organizations that offer free Christmas Presents for Needy Children:

ToysForTots.org - Apply on their website. This organization provides information, education, and an opportunity to donate to Toys for Tots to the American public. To obtain toys for your children or for other children go to the toysfortots.org website. There are a few steps to sign up for toys on the website:

  • Selecty the City or County nearest your location.

  • Contact by phone, FAX, email (Recommend you use email. Click the hypertext email address. An email form will appear)

  • Fill out the form by providing your name, phone number and address.

  • Provide the ages and gender of your children and request that Christmas toys be provided for them.

  • A coordinator will contact you. Your local toysfortots may be able to assist children up to age 12. In some local communities the age limit may be extended to 14-16 years of age.

  

SoldiersAngels.org - Applications are accepted from military families from November 5 – December 1. Soldiers’ Angels helps military families in need, with presents for children and a grocery gift card or prepaid Visa gift card so they can purchase their holiday dinner and trimmings. Submitting an application does not guarantee participation in the program because each application is reviewed on a case by case basis and prioritized based on the level of need. The program is not meant to provide for your family's entire holiday support, but to serve as a token of appreciation from the community.


OperationHomefront.net - Is ready for its HOLIDAY TOY DRIVE program to distribute toys and gift cards to junior enlisted military families. Last year, millions of toys were donated at Dollar Tree stores nationwide. Items and other holiday gifts were distributed to junior service members to show our Nation’s appreciation and supplement the family holiday. To contact someone about emergency financial assistance, please call the Emergency Assistance Line at: 1-877-264-3968 (toll free); 210-549-4600 (local); and 1-855-552-0838 (fax).

SalvationArmyusa.org/usn/christmas-assistance - Donations and financial assistance provide Christmas dinners, clothing, and toys for families in need, including families of prisoners. Volunteers distribute gifts to shut-ins in hospitals and nursing homes, and shelters are open for sit-down dinners. Many families receive aid over a period of months after the Christmas season, as well as people struggling with difficult family, emotional, or employment problems. All of our holiday assistance programs are administered locally. If you require assistance, you will need to contact your local Corps Community Center by using the location search on our website (SalvationArmyusa.org/usn/christmas-assistance). Most locations begin registration as early as October, so it's recommended you contact your local Salvation Army as soon as possible to inquire about registration dates.

Check your local churches for toy drives: Some churches and religious organizations may have a toy drive for Christmas. Visit or call your church or other churches for information about getting toys for Christmas.

Check your local schools, Soup Kitchens, or other local organizations about toys for needy children.

RedCross.org - No information about free Christmas presents for needy children.

Goodwill.org - No information about free Christmas presents for needy children.



Use money to buy Christmas gifts, or charge to a credit card? If you plan on using cold hard cash for buying Christmas presents so you won't have debt and interest to pay, re-consider using a rewards credit card. It only makes sense, considering you have the cash to pay the charges in full. Why does it make sense? Because paying with cash does not give you any perks. Think of it this way: A rewards credit card which pays you 5% cash back, will end up giving you $175 of free money just for charging $3,500 of Christmas purchases to the card. And since you had the cash to pay in full, you won't have to worry about the free money being eaten up by interest. Just repay the balance within the grace period. Paying with cash doesn't offer cash back (unless the store offers a discount for cash purchases). Also, cash does not offer any additional perks such as an extended warranty on certain purchases, plus getting reversals for undelivered purchases, and protection by limiting liability to only $50.00. Another benefit to using a credit card, is that you can leave your hard-earned cash in your bank savings account (earning interest), instead of carrying the wad around town with you and risk being robbed or having your purse/wallet stolen. Of course, a credit card statement provides a back-up receipt should the retailer receipt become lost. Finally, consider the on-going benefits: If you spend $3,500 on Christmas gifts, how much money do you spend throughout the year? With a cash back credit card, you can continue earning money - not merely during the holidays.

Charity credit cards for Christmas gift giving - By charging purchases to a card which donates to charity, you give twice with each gift. You also get to enjoy that holiday warmth of sharing when you charge on a card which aids a nonprofit organization. Examples of charity cards are: Bank of America's American Heart Association, and Chase's World Wildlife Fund cards. Additionally, there are some charity cards which allow you to choose the organization to send the donation to. For example, Target's REDcard Take Charge of Education program can help your child's school, or it will split the money between up to five Israel-related charities through the HAS Advantage Visa Platinum card. Typically the participating issuer awards from 0.3 percent to 1 percent of each transaction to a charity. Although that may seem quite a small donation, it adds up with those from other users. If you want to give more, get a card which offers an initial donation of $10 to $50 when each card is activated like the Chase, OneCause, and CardPartner. If you don't like using credit cards, you can still join the giving-spirit by using a debit card. Some banks offer programs that link check and debit cards to charity. To give more, choose a rewards credit card that offers a higher cash-back bonus. The American Express Blue Cash and Discover More cards, and instead of cashing the rewards, donate the cash back check to charity. Not only will the charity receive a larger donation than they would through most cause cards, but the tax deduction belongs to you instead of the credit card company.

Christmas Credit Card Application Advice: Don't apply for just any credit card for Christmas shopping. There's much more to charging presents than simply deferring payment or establishing a monthly installment for eventual payoff. In addition to meeting qualification requirements, you also want to apply for a credit card which will bestow a total loan amount that is acceptable without being much more than you actually need. That's because having too large of a credit limit can encourage debt, and a card with a low limit may not offer a big enough credit line for making all your gift purchases. Any why not get the most out of the rewards as well? If; for example, you don't fly often and you'll mostly use the card for buying Christmas gifts, avoid sky miles credit cards and instead get one which offers cash back for the kinds of purchases you will make. Again, don't bother to submit a credit card application for a card which rewards cash back for purchases at stores you don't frequent. If you're unsure of the interest rate and credit limit you qualify for, consider a credit card finder service which can assist you.




Pinching Pennies to Save Money for Christmas:

Many Americans will spend at least $1,000 or more on gifts for their family and friends.
if you have a ball park figure that you know about how much you will spend, you could plan for saving that amount of money 
for Christmas gifts. However, there are the planners who are always ready for Christmas and those who do not save for it.

1. If you want to save and budget for Christmas:
If you know you will, for example, spend $1,000, you should save $100 each month beginning at least in January or February.
Choose a way to save - like taking out a savings account or save using a credit union account. Then you will be prepared
to withdraw the money for your shopping.

2. If You did not save money all year for Christmas:
This is when the realization sets in that you will have to figure a way to pinch pennies at the last moment in 
order to buy gifts. It will be harder, but there are ways you can save while you spend money. It takes
some creative thinking, planning at the last moment, and hard work.

Saving money and living on a budget is hard for many people to do, while others become great at 
counting pennies from paycheck to paycheck and making their money stretch. It is necessary to plan and count
all your money to get the most out of every dollar. 

CHECK OUT OUR FINANCIAL CALCULATORS to further refine your budgeting. Calculate your 
expenses, and see just what you can save for Christmas.

Below are a few tips that could help you during your holiday preparation:

* Make charges on your CASH BACK credit card and use the cash you earned to help pay down the bill when it comes
in after Christmas.

* Use store coupons and take advantage of retail sales. Avoid paying regular price for gifts. 

* Take your lunch, drinks, and snacks to work. Stay away from vending machines and fast food. Eliminating one fast food 
meal can save you as much as $7.00 to $10.00. Multiply that by five work days and see the savings. Start eating at home.

* Take coffee from home. That alone could save you from $3.00 to $5.00 per morning.
Figure how much you can save doing this the entire month of November and December.

* Stop and think before you hand over money for anything, you can choose to keep your money in your pocket!

* Wrap gifts using the comic section of the newspaper, a pretty scarf, or stamp black news print with red and green 
designs to get a unique gift wrap. Taking the newspaper for a year usually costs over $200,why not put your money to work
and use it after you read it.

* Make a list of people and kids you spend money on and brain storm some gift ideas and the costs. Could you be a help in other 
ways that require your time and energy instead of buying them a gift? Some adults would love to get a handmade coupon for
dog sitting, baby sitting, shopping chores, house cleaning, or grass cutting. Many people would like to get homemade candies and 
cookies. Be creative, helpful and spend less money.

* Buy in quantity and repackage foods or drinks into several gifts. For example, a large box of 5 flavored teas, a large box
of several kinds of individual cookies, or a large pack of several types of candies could be divided into several gifts with
each person getting one box of tea, one box of cookies, and one type of candy. Just because wholesale sellers sell in
quantity does not mean one person must get 6 months of an item as a gift.

* Cut your gift list to stay out of debt. Discuss with your family and friends that you would like to eliminate a lot of shopping
and reduce spending. Just let them know you would like to buy for close family and you would rather get together with them for 
quality time at your house for a game, movie, or meal. They may like this idea as it can mean they get to keep more of 
their money in their pocket. Agree to "No gift buying" on both sides. You could just draw names as a means to lessen gift giving.

In the end if you still find yourself in debt after christmas, check out these suggestions for GETTING OUT OF DEBT.

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