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Christmas Personal Loan

Christmas Personal Loans

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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.



National Direct Payday Personal Loan Lenders

MyPaydayLoan: One of the largest direct payday lenders in the country and they never perform a credit check. They just added a new online application process where you’re now twice as likely to be approved for a direct payday loan. They also claim you’ll get an instant approval response within 4 minutes of completing your online application. You must have an active checking account (no pre-paid account or savings account) to be approved for a loan and you can’t have any outstanding payday loans. At this time, MyPaydayLoan is not offering loans to consumers who live in: Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Kansas, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, New York, North Carolina, Oregon, Pennsylvania, Virginia, and Wisconsin. Max Loan: $1000

Payday Direct: Payday Direct is a large company offering online direct payday loans and direct installment loans to consumers in 45 states. Payday Direct claims to have an online approval process that takes less than 5 minutes to complete. You must have an active checking account, be a US citizen and have a monthly income of at least $800 a month to be approved for a direct payday loan. Longtime member of the Online Lending Alliance. Up to $3000

Ace Cash Express: Ace is a longtime online direct payday lender that’s been in business since 1968. Currently offering same day cash in hand direct payday loans with over 1600 retail locations nationwide. They have low rates and promise a 48 hour satisfaction guarantee on all funded direct payday loans. At this time, Ace is only issuing direct payday loans to consumers who live in: Alabama, Delaware, Idaho, Kansas, Louisiana, Maine, Minnesota, Missouri, Nevada, Ohio, and Texas. $1000

Check City: Currently offering online direct payday loans & direct installment loans with hundreds of locations throughout the country. Very reputable direct payday lender with an easy application process. They accept applications 24/7 and will give you an automated decision within 5 minutes. At this time, Check City is only issuing direct payday loans to consumers who live in: Alaska, Alabama, California, Hawaii, Idaho, Illinois, Kansas, Maryland, Missouri, North Dakota, New Mexico, Nevada, Texas, Wisconsin, Wyoming, and Utah. Up to $850

RISE: RISE offers personal loans and promises to have a different approach to lending when compared to traditional payday loan companies. They let you pay off your loan over 4-25 months instead of in just a few weeks. They’ll also let you choose your own loan term and the interest rate on your loan may decrease over time. Currently offering loans from $500 to $5000 for new customers. At this time, RISE is only issuing loans to consumers who live in: Alabama, California, Delaware, Georgia, Idaho, Louisiana, Missouri, New Mexico, Ohio, South Carolina, South Dakota, Texas, Utah, and Wisconsin. Up to $5000

LendUp: Brand new direct lender with a 5 minute online application process. LendUp is different than most direct payday lenders. They let you choose your loan amount and repayment date. They will generally approve consumers who have no poor credit or no credit. Lastly, LoanUp will send cash to your debit card in 15 minutes or less if you qualify! At this time, LendUp is only issuing loans to consumers who live in: California, Illinois, Louisiana, Minnesota, Mississippi, Missouri, New Mexico, Oklahoma, Oregon, Tennessee and Texas. We expect more states to come on board as we move into late 2014. Up to $1000

Cash Central: One of the largest direct payday lenders in the country that’s also offering direct installment loans as of a few months ago. They have a 24/7 online application process that will let you know instantly if you’re approved or not. At this time, Cash Central is only issuing direct payday loans to consumers who live in: Alabama, Alaska, California, Delaware, Hawaii, Idaho, Kansas, Louisiana, Minnesota, Missouri, Mississippi, Nevada, New Mexico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin and Wyoming. Up to $500

Bright Sky Lending: Online lender that offers same day direct payday loans and installment loans. Bright Sky has a quick online approval process that doesn’t require faxing or bank verification. Claim to never check your credit score or payday loan history. They also have a same day cash in hand option if you qualify for a payday loan. Up to $800

Helping Hands Advances: Online lender offering offering direct payday loans and direct installment loans throughout the country. They’re currently processing loans entirely online, no faxing or credit check is necessary. Assuming you qualify for a direct payday loan, you’ll have the option of next day cash or same day bank wire if available. Up to $800

Payday Loan Today: They’re a large direct payday lender that’s been processing direct payday loans online for years. They have an instant approval process that tells you in seconds if you’re qualified for a $500 direct payday loan with a due date of up to 30 days out. Assuming you submit and qualify for a loan by 3pm PST, they’ll process and fund your cash advance that same day. Due to increased regulations, Payday Loan Today is only issuing direct payday loans to consumers who live in: California, Florida, Minnesota, Oklahoma, Texas, and Washington. Up to $800

Check Into Cash: Check Into Cash may be the largest direct payday lender in the country. They have an highly rated online application system and claim that you’ll have an approval decision within 5 minutes. They also give you the option of picking up your cash that same day from any of their retail locations. Check Into Cash is only issuing payday loans to consumers who live in: Alabama, California, Florida, Illinois, Idaho, Indiana, Kansas, Louisiana, Michigan, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Oregon, South Dakota, Texas, Utah, Washington, Wisconsin, and Wyoming. Up to $1200

CashNetUSA: One of the largest direct payday lenders in the nation with over 4 million loans issued to consumers with bad to average credit. Currently offering both online direct payday loans and online installment loans. Use promo code NEWCASH50 for 50% off all loan fees through September! At this time, CashnetUSA is only offering loans to consumers who live in: Alaska, Alabama, California, Hawaii, Idaho, Kansas, Louisiana, Maryland, Missouri, New Mexico, Ohio, South Carolina, Texas, Utah, Virginia, and Wisconsin. Up to $1500

Net Credit: New direct lender offering personal installment loans with instant eligibility decisions through their online application process. You can borrow $1,000 to $10,000 and there are no borrowing limits for first time customers. Lastly, you’re able to repay your loan in fixed payments over a certain amount of time and build your credit history as well. At this time, Net Credit is only issuing direct personal loans to consumers in: Alabama, California, Delaware, Idaho, Georgia, Missouri, New Mexico, North Dakota, South Carolina, Utah, Virginia & Wisconsin. Up to $10,000

Loan by Phone: LoanbyPhone is relatively new direct payday lender that offers 2 to 4 week direct payday loans all throughout the country. They claim to have a 5 minute online application process with an approval process that lasts less than 1 minute. They also have a 24 hour call center available in order to expedite your approval process. At this time, LoanbyPhone is only issuing direct payday loans to consumers who live in: Alabama, California, Delaware, Florida, Illinois, Indiana, Kansas, Louisiana, Michigan, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Oregon, South Dakota, Tennessee, Texas, Utah, Washington, and Wisconsin. Up to $850

Avant Credit: Avant is a large national direct installment lender that offers personal loans of anywhere from $1000 to $20,000. Avant offers direct personal loans with a 10 minute application process, competitive interest rates, late fee forgiveness, and they never require you to fax in documents. One drawback about Avant is that you usually need better credit then if you were just applying for a typical direct payday loan. They have a huge national reach and currently offer loans to consumers in every state except: Colorado, Iowa, Maine, Oklahoma, Pennsylvania, Vermont and Wyoming. Up to $20,000






How Much of a Christmas Personal Loan do You Need? There are several important tips to remember before beginning a personal loan application, and those include borrowing only the minimum amount you need, as well as paying it off in the shortest time possible. These two actually go hand in hand, as often the more you borrow, the longer term you'll need to repay.

It's not uncommon for holiday shoppers to borrow money and repay it over the course of the following year before the next Christmas season.

To borrow the bare minimum, first decide whom all you will be buying presents for. Once you have that list, place an amount next to each name to signify the max you will spend on each recipient. Tally up the amounts, and there you have the minimum you'll need.

Next decide on how long you'll need to repay the loan. You can use our free loan repayment calculator to estimate what you'll need to make in monthly installments to repay a loan over a certain time span. For example, a $5,000 loan with an 8% APR to be repaid over 12 months would require monthly payments of $434.94*. If you borrowed only $1,000 at the same rate and repayment term, the monthly installments would be only $86.98*. For the same loan but with a repayment term of only 6 months, the installments would be $170.57*. Working out the details reveals how necessary it can be to borrow no more money than you need.

To find out how much of a loan you can borrow based on the monthly installment you can afford, use our loan affordability calculator

Let's say you can afford a $250 payment for 12 months and you qualify for an 11% APR, you could borrow up to $2,828.64*.

*Based on simple, fixed interest annual APRs.



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.



Retail Store Christmas Layaway Plans - One way to avoid high interest credit card debt is to place purchases on layaway. Below is a listing of retailer programs:

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Bed Bath & Beyond Layaway - Currently Bed Bath & Beyond does not offer a layaway program.

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Hallmark Layaway - Currently Hallmark does not offer a layaway program.

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J C Penney Layaway - Currently J C Penney does not offer a layaway program.

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Kmart Layaway, offer valid only on new Kmart Layaway contracts initiated from 10/19 through 11/01.

$10 down due at contract initiation. All fees nonrefundable. Cancellation fees apply. No cancellation fees in Ohio. Requires biweekly payments. Total layaway contract amount spread over 4 biweekly payments for an 8 week contract and 6 biweekly payments for a 12 week contract. Maryland, Washington D.C. and online offer 8 week contracts only. 12-week Layaway option available on purchases of $300 or more. Not available at all stores. Exclusions apply. See store for further details.

Online and In-Store ONLY (with a total purchase of $300 or more).

Payment Option: 8 weeks
Service fee* $5.00
Cancellation fee*$10.00
Down Payment* $15 or 10% (whichever is greater)
Biweekly Payments: 4 easy payments (of balance due after down payment)

Payment Option: 12 weeks:
Service fee* $10.00
Cancellation fee* $20.00
Down Payment* $30 or $10% (whichever is greater)
Biweekly Payments: 6 easy payments (of balance due after down payment)

In-Store layaway: Offer valid only on Layaway purchases made from 10/19 through 11/01. Not combinable with any other offer. Discount given on clothing, shoes and jewelry at time of new in-store layaway purchase. Purchase requirement calculated before taxes and after other discounts have been applied and must be made in a single transaction. Excludes clearance merchandise, Everyday Great Price items, Deal Flash, red-tag special buys, incredible buys, introductory offers, gold-filled jewelry, family jewelry and class rings. Savings applied and pro-rated across all qualifying items purchased in addition to the minimum requirements and will be deducted from any refund. Members earn points on qualifying purchases, excluding sales taxes and other fees. Subject to full program terms available at www.shopyourway.com.

In-Store Layaways: 4 Easy steps to get what you want.
1.Shop what you want. Add your items to cart and go to checkout
2.Make a down payment.† This includes the Service Fee and is due when you initiate your contract.
3.Make payments every two weeks. Online or at any in-store register with cash, check or debit/credit card.
4.Pick up your items. Once your last payment is made, or schedule your pickup online.

In-Store Layaway FAQs:
How long is a Kmart layaway contract?
Layaway contracts are 8 weeks. For purchases of $300 or more, a 12-week option is available in-store.

Are there any fees? Except where prohibited by law, an 8 week contract requires a $5 Service Fee and a 12-week layaway contract requires a $10 Service Fee.*

Can I cancel a layaway contract? Yes, you can cancel any layaway contract. You will receive a refund of your payments made to date minus the Service and Cancellation Fees.*

Are all items online available for layaway? Items that are available for online layaway will be identified as "Available for Layaway" on the individual product page.

What are my payments? 4 easy payments of balance due are required after down payment for an 8 week contract and 6 easy payments of balance due are required for a 12-week contract.

What if I miss a layaway payment? You have a 7-day grace* period after your payment due date before your contract is cancelled and items are returned to stock. A nonrefundable Cancellation Fee will apply.*

Where can I make my payments? You can make a payment at any register in the store that holds your contract or online at kmart.com/layaway.

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Macys Layaway - Currently Macys does not offer a layaway program.

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Old Navy Layaway - Currently Old Navy does not offer a layaway program.

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RadioShack Layaway - Currently RadioShack does not offer a layaway program.

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Sears No Money Down Layaway* Offer valid on new layaway purchases made in-store and online. Service fees and exclusions apply. See associate for details.*

Pay nothing today! 4 or 6 equal payments, Lock in today's prices. Sears layaway overview, 4 Easy steps to get what you want.

1.Shop for virtually anything. Bring your items to any register in the store or add to your shopping cart online.
2.Make your down payment. View sample payment table
3.Make payments every two weeks online or at any Sears register. Use cash, check or debit/credit card.
4.Pick up your items if they are held at the store. For items held at the warehouse, schedule a pick-up or delivery time.

8-week option layaway facts:
Service Fee is $5 for all new layaway contracts.*
Cancellation Fee is $15 for all new layaway contracts.*
Down Payment is $20 or 20% (whichever is greater) and is collected when merchandise is put on layaway.*
4 Easy Payments of balance due are required after down payment for an 8-week layaway contract.

12-week option layaway, In-Store Only (with a total purchase of $400 or more )
Service Fee * $10
Cancellation Fee * $25
Down Payment* $35 or 20% whichever is greater
Bi-Weekly Payments 6 easy payments (16.7% of balance due after down payment)

* Except where prohibited by law, in which case the payment would be less than that amount.
See stores for state specific fee limitations. Down payment includes $5 Service Fee for an 8-week contract
and a $10 Service Fee for a 12-week contract. No partial cancellations are permitted. Cancellations
can be made only in the store where you opened your contract.

Offer valid only on new Sears Layaway contracts initiated. No down payment required in store at contract initiation. One penny required down online. Service fees apply. All fees nonrefundable. Cancellation fees apply. No cancellation fee in Ohio. Requires biweekly payments. Total Layaway contract amount spread over 4 biweekly payments for an 8 week contract and 6 biweekly payments for a 12 week contract. 12 week Layaway option available in-store only for purchases of $400 or more.

Buy it your way with Sears Layaway. Get what you want and pay over time. Shop your favorite items, such as clothing, toys and games, electronics, and much more. Then pay on an affordable schedule that fits your budget. Before you know it, you'll be taking your items home, free and clear. But it your way with Sears Layaway provides you with more shopping options. Need more information? Go to Sears.com/Layaway.

How long is a Sears layaway contract? Layaway contracts are 8 weeks. For purchases of $400 or more, a 12-week option is available in-store.

Are there any fees? Except where prohibited by law, an 8-week contract requires a $5 Service Fee and a 12-week layaway contract requires a $10 Service Fee.*

Can I cancel a layaway contract? Yes, you can cancel any layaway contract. You will receive a refund of your payments made to date minus the Service and Cancellation Fees.*

Are all items online available for layaway? Items that are eligible for online layaway will be identified as "Available for Layaway" on the individual product page.

What are my payments? 4 easy payments of balance due are required after down payment for an 8-week contract and 6 easy payments of balance due are required for a 12-week contract.

What if I miss a layaway payment? You have a 7 day grace period after your payment due date before your contract is cancelled and items are returned to stock. A nonrefundable Cancellation Fee will apply.*

Where can I make my payments? You can make a payment at the store that holds your contract or online at sears.com/layaway.

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Target Layaway - Currently Target does not offer a layaway program.

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Toys R Us FREE Layaway In Store with No upfront fees!

1 Simply deposit 10% of the total cost. There is no service fee!
2 All payments can be made at any register or online, 24 hours a day.
3 Make your final payment in store, and take your item home right away. Or, if you make your final payment online, you will be notified of the earliest time you can pick up your item.

Need to cancel your Layaway order? Item(s) will be returned to the shelves and payments will be refunded, minus a $10 cancellation fee.

*Available at all stores except Toys "R"Us Times Square. Excludes Special Orders, food, formula and clothing.

Toys R Us Free Online Layaway - Get it shipped to your home or pick up in store!

Layaway is available on gym sets, video game systems, bikes, ride-ons & so much more!

Enjoy the convenience of making additional payments over time online or in store!

Pick it up or ship it. After your final payment, we'll let you know when to pick up your item, or you can choose to have it shipped!

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T J Maxx Layaway - Currently T J Maxx does not offer a layaway program.

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Walmart Layaway: Start today. Take More Time To Pay. Christmas Layaway runs from Sept 12 to Dec 15. Place electronics, auto electronics, large furniture, infant furniture, toys, select sporting goods, small applicances and jewelry.

No Opening Fee.
Down payment $10 or 10% whichever is greater.
Program is for in stores only.

Layaway is available in stores this holiday season from September 12 through December 15. Certain store locations offer layaway year round for jewelry purchases only. Layaway is not offered for online purchases.

Policy:
* Minimums – Individual items must be $15 or greater. Total purchases must be $50 or greater
* Terms – Final payment and pickup must be made on or before December 15 at the same store layaway was initiated (or order will be canceled).
* Cancellation – If account is canceled, items will be returned to inventory. Down payment and payments made will be refunded, less a $10 cancellation fee.
* Returns – Walmart Returns Policy applies to all layaway transactions.

Pickup & pay:
* Location – Layaway is initiated and picked up at the Service Desk. Payments can be made at any register.
* Timing – Some layaway items may be stored at a location other than where the layaway account was opened. All items stored remotely will be available for pickup within 10 days of paying the balance due, but no later than December 15.

Restrictions:
* In stores only (not available for online purchases)
* Available for electronics, toys, select sporting goods, small appliances and jewelry
* Excludes wireless phones that require contracts.
* Layaway not available on Friday, November 28th.

See your local Walmart store’s service desk for more details.

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Zales Layaway Policy - EXCLUSIVE TEN FOR TEN LAYAWAY PLAN: Put 10% down and pay the rest in ten equal monthly payments. Jewelry buying made easy. See store for details.

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