HolidayCashLoan
A single spruce in a snow-covered valley at first light behind the HolidayCashLoan request form, $100 – $5,000

Holiday cash loans$100 – $5,000All credit types considered

Start your request

$100 – $5,000 · as soon as the next business day, if approved

256-bit SSL · soft inquiry only · free, no obligation

  • Secured with SSL
  • Costs nothing to ask
  • Every credit type considered
  • One request, a whole network

The gifts got wrapped. The bills didn't.

One request for $100 – $5,000 reaches a network of lenders. HolidayCashLoan is a connection service, not a lender, and checking your options won't affect your credit score.

Does one of these dates look familiar?

Six dates from a season that costs more than it should.

  • Dec 1The deposit for the family trip is due the same week as the car insurance.
  • Dec 12Three school events, three sign-up fees, one paycheck.
  • Dec 20The heating bill came in higher than the gift budget.
  • Dec 27The relatives have gone home. The grocery receipts have not.
  • Jan 4January rent arrives before December's overtime does.
  • Jan 15The card statement finally shows what the holidays cost.

If one of those lines is yours, the request at the top of this page takes a few minutes. $100 – $5,000, sent once to a network of lenders. Some lenders fund as soon as the next business day, if approved.

See my options

How it works

Three parcels. One string.

You pack the first one. Lenders open the second. The last one is yours to keep or send back.

  1. 01

    Pack the request

    Amount, contact details and a few lines about your income. Done on a phone in about three minutes, encrypted the whole way.

    Takes a few minutes

  2. 02

    Lenders open it

    Your request reaches a network of lenders and lending partners. Each one decides on its own terms. We do not make the decision and do not promise one.

    Replies often in minutes

  3. 03

    Keep it or send it back

    An offer arrives with its rate, fees and repayment dates spelled out. Accept it, or decline and owe nothing.

    Funds as soon as the next business day, if approved

Snow-dusted spruce branches in warm first light, the HolidayCashLoan promise of clear loan terms from $100 – $5,000

The quiet part

The season is loud. The terms should be quiet.

Every offer that reaches you states its rate, its fees and its dates before you agree to anything. Nothing waits to surprise you after the holidays.

See how a request travels

Why HolidayCashLoan

Built for the weeks when everything is due at once.

HolidayCashLoan is not a lender. It carries one request to lenders who decide on their own terms, and it stays out of the way after that.

  • Terms before any signature

    Rate, fees and repayment dates sit inside the offer itself. Read them in January daylight, not in a rush.

  • One request, not a round of applications

    Fill in one form. It reaches the network, so you are not repeating your story to five lobbies.

  • A soft look at your credit

    Checking your options is a soft inquiry. It won't affect your credit score. A lender may run a fuller check only if you go ahead with its offer.

Guides

Three short reads for the expensive weeks.

Plain answers to the questions people search at eleven at night, written for this site and kept current.

Questions

Asked at the kitchen table in December. Answered here.

Is HolidayCashLoan a lender?

No. HolidayCashLoan is a loan connection service. Your request goes to a network of lenders and lending partners, and any offer comes from the lender, on the lender's terms. We do not make credit decisions.

How much can I request, and will a lender offer the same amount?

You can request between $100 and $5,000. A lender decides how much, if anything, to offer, so the amount in an offer can be lower than the amount you asked for.

Does checking my options affect my credit score?

No. Checking your options is a soft inquiry and won't affect your credit score. A lender may run a fuller credit check with the bureaus if you decide to go ahead with its offer.

How do I know what the loan costs before I agree?

The offer states the rate, the fees, the APR and the repayment dates before you sign anything. If a number is missing or unclear, you can decline and owe nothing.

Can I request in January, after the holidays, or only in December?

Any time. The season gives the site its name, but the request works the same way in any month, and the lenders in the network read requests all year.

What happens if I cannot repay the full amount on the due date?

Contact the lender before the date. Some offer an extension or a payment plan; the fees and rules depend on the lender and your state. Rolling a balance over adds cost, so read our guide on rollover before you agree to one.

Before you go

One form, read by a network. The last word is yours.

$100 – $5,000, free to send, and nothing to sign until you choose to. The request sits at the top of this page.

Start my request