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Holiday Shopping With Less Than Perfect Credit - 2021 Guide

Ben Gordon
Holiday Shopping With Less Than Perfect Credit - 2021 Guide
Quick FYI: The companies and recommendations in this post contain sponsored links. Which means A Quarter Richer receives compensation or a commission. You can learn more about our Advertising Policies by visiting here. We are telling you this because honesty is the best policy.

It’s never too early to plan for the holidays! But, planning for the holidays with bad credit can be a real Grinch!

We’re going to share the best tools for trimming your debt, improving your credit, and putting more presents under the tree this year:

1. If Cash Is Tight This Holiday Season, Try Amone

Founded in 1999, AmOne is another online loan matching platform, that offers a personal experience. AmOne specialists will assist you by understanding your current financial situation and ensure you are connected to the best option. With their large lending and financial network exceeding 100 providers, you can be confident there is no place better to go to ensure you get connected with the best option and receive a top-rated customer experience.

You can borrow up to $50,000, and APR rates will vary based on your creditworthiness.

Fill out a short form on their website, and you will receive an instant response.

Get AmOne

2. Grab Some Amazon Stock For Just $1.00

Building wealth is always on our minds. So if we can grab great stocks at an affordable price…we do it! Stash is an app that allows you to start investing* in the stock market with just $1.

By purchasing fractional shares in any public company like Amazon, Bank Of America, Tesla, Apple, Ford, or Walmart, that usually would cost you hundreds of dollars for just one share! Anyone can afford to build real wealth, at a price they can afford.

You can build a diversified portfolio with very little money. A Stash Invest account allows you to invest with as little as $.05 cents. When you open a Stash Invest account and deposit at least $5, Stash will give you $5 to invest. Stash will not turn you down because of your credit history. Go ahead, give a gift that could keep on giving!

Get $5 Bonus Now

3. If You Really Need It, This Company May Offer You $4,000 For the Holidays

Seedfi is doing its best to help families affected by the pandemic by offering people a path to better credit and savings. The Credit Builder Plan allows you to open a savings account that builds your credit score.

When you start your plan you are actually “loaning” yourself money each month. You set the amount and you pick the timeframe (six months or up to two years). There are NO upfront credit checks and all your payments are reported to all 3 credit bureaus. When you’re finished you’ll have a saving account and possibly a 45** point credit score increase.

Plus if you’re in a tight spot and need some extra money, SeedFi has an answer for that as well. Their Borrow & Grow Plan allows you to access up to $4,000 while also building your credit.

Your SeedFi account is FDIC insured like at any bank. If your goal is to get your credit on the right track, you must try SeedFi!

Open Your Account

4. Apply For A MasterCard With No Credit Checks & 0% APR

Getting the credit you deserve shouldn’t be that hard. That’s why they created the Extra Debit MasterCard. It’s a debit card that works like a credit card. Your Extra MasterCard links directly to your checking account. When you use your Extra Card to make purchases this holiday season, Extra will spot you the money based on how much is in your bank account. Extra simply pays themselves back later for the purchases you made.

Plus, at the end of each month Extra will calculate all your purchases and report them to the credit bureaus. This is HUGE. The credit agencies view these purchases as if you are paying back a line of credit. That means, all these purchases BOOST your FICO score each month. Some Extra card members have reported a 200 point jump in their credit scores in as little as 6 months.

To qualify for a Extra MasterCard account, you will need to be over 18 and have a valid checking account. Remember, applying for a Extra MasterCard account won’t affect your credit score.

Apply Now

5. Make Money Watching Holiday Specials On TV

InboxDollars is one of the world’s leading online rewards clubs, and works with top brand names like Walmart, Netflix, Target, and H&R Block. Earn up to $225 a month shopping, reading email offers, and even watching online TV right on your mobile device.

How it Works: Choose a video selection (topics include TV shows, movie previews, cooking videos, and more). Inbox Dollars lets you know how long each playlist runs from a few minutes to a half-hour. Select a playlist, watch, and earn cash. Signing up with InBox Dollars is fast and easy.

Register Now

6. This Loan Service Isn’t Worried About Your FICO Score

Finding the right personal loan and getting approved can take months. Who has months to wait for a loan? That’s why Even, the leading search, comparison, and recommendation engine for financial services created “Fiona”.

Fiona is the fastest, easiest, most comprehensive way to search loans and savings accounts from the top providers. By filling out a simple form, Fiona checks if you are pre-approved and gets the best offers from the top providers for you in seconds. You can get instantly matched with the right personalized offer all in one place. You can borrow as much as $100,000, with loan terms of up to 7 years. The interest rate you’ll pay will depend on your creditworthiness. It will take you less than 60 seconds to apply. Not even Santa works that fast.

Try Fiona

7. Earn Free Gift Cards To Do Last Minute Shopping

You may not feel very useful as you scroll your way into the depths of the internet, but your data is actually worth A TON of money to corporate goons.

So, why not take a piece back? With Swagbucks, you can. They give out over 7,000 gift cards a day to customers for Amazon, Walmart, Target, and more just for surfing the web and watching videos. Or, you can have cash sent straight to your PayPal account.

It’s easy to make an extra $5 in one day, by watching a few videos. That translates to some serious extra cash in your pocket each month. Time to buy the serious Christmas lawn decorations and show the neighbors who’s boss this year.

Grab Your Cash

8. Trade-In Your Clunker For A Cheaper Car Payment When You Join This Credit Union

Credit unions were founded on the philosophy of people helping people. Consumers Credit Union (CCU) has been serving customers for nearly 100 years. Unlike other credit unions, it’s unique that anyone can join, regardless of where you live or work. CCU has over 1,800 Service Center branches nationwide.

CCU offers some of the most competitive auto loan rates in the nation even for people with bad credit. Credit unions, like CCU, are more forgiving with their lending requirements than banks and other lenders. CCU even allows some borrowers to finance the full purchase amount, with no down payment. Plus, you will get 24hr mechanical/emergency repair coverage.

Expert Tip: If you open a “Membership Share/Savings Account” with just a $5.00 deposit, CCU may provide you with up to 0.5% rate reduction on your auto loan.

Being a member starts your relationship and can provide you access to mortgages, credit cards, or student loans at lower APRs. Checking your rate now will NOT affect your credit score! Rates start as low as 2.6% APR.

Apply Now

9. This Visa Card Maybe Better Than A Black Amex & Comes With No Credit Checks

Cred AI Debit Visa Card is a high-tech cross between a credit card and a debit card. It offers two main benefits: reducing your out-of-pocket costs and building a better credit score.

Cred AI allows you to can access your paychecks two days before the money reflects in your bank. Yeah, you get paid 2 days early!

It functions like a debit card in the sense that you can only spend your money. It doesn’t offer credit like other credit cards, but you never have to pay interest.

Cred AI functions like a credit card in the sense that it is integrated with advanced credit utilization algorithms. It understands how you spend and how you get paid. So you get access to your money even if it hasn’t hit your account yet. you get the ability to use the card like a debit card, but have access to your cash faster. Plus, the card allows you to build credit faster.

Anyone can apply for this card with a poor credit history or no credit score at all.

It doesn’t charge annual fees or interest rates. All transactions are free, regardless of how much or little you spend

Apply Now

10. Protect Your Family From Your Creditors

We all think about taking out a life insurance policy. We’ll do it one of these days. But where to start?

Now, you don’t need to file paperwork or answer uncomfortable questions. You can get a quote for a life insurance policy in minutes from Ladder Life. There are a bunch of policy options, and A+ rated insurers provide all policies. Plus, you don’t have to wait for a medical exam to get coverage. You can get instant coverage right now. You can rest easier tonight, knowing your loved ones are covered if anything were to happen.

Life Insurance can also allow your family to pay for all your unpaid debts. Creditors won’t be able to harass your loved ones. Don’t wait to get covered during these uncertain times. With Ladder, you can have a rock-solid plan in minutes with plans starting at just $25/month.

Get Protected

11. Cancel Your Car Insurance & Get A New Year’s Bonus

What if someone offered you $825.00? Would you take it? We would! Savvy, an insurance shopping comparison engine, is an essential mobile app that allows average users to save $825.00 a year.

Savvy can help you find and switch to a cheaper insurance rate within minutes - for free! Just download the app, and follow the instructions. Once you’re registered, you will need to allow Savvy to scan your current online insurance account (Savvy is 100% safe and secure).

Savvy will do the rest. Gabi can compare your current rate with other insurance companies like Geico, Progressive, Travelers, Nationwide, Kemper, Safeco, and many more.

Learn More

12. Boost Your FICO Score Instantly This Holiday Season

Experian Boost™ was built to help by giving people extra credit on their FICO® Score quickly. You simply register and connect your bank account to the app. Experian Boost™ may give you EXTRA credit for paying your utility and cell phone bills.

You then choose the positive payment information you want on your credit profile. That’s it! “Boost” your FICO® Score instantly. No credit card is required to register!

If your goal is to get your credit scores on the right track you must try Experian Boost! Results may vary, see website for details.

Get Your Boost

13. Never Pay Overdraft Fees Again

Checking accounts have an average yearly cost of $97.80 in fees, according to the federal government. That’s were Aspiration Bank comes in. Aspiration is an online-only bank offering most of the services your big bank does, without all the fees.

What Aspiration Offers?

What doesn’t it offer? First off, the Aspiration Summit Checking Account has NO monthly fees. There are zero minimum balance fees, overdraft fees, and ATM fees when you use your Aspiration Bank Debit MasterCard. Your debit card also gets you 0.5% cashback on all purchases - making it a cash-back-card!

The Aspiration Bank Summit Account is an interest-bearing checking account that you can open with as little as $10. According to the bank’s website, the account earns an APY of 1%, which is up to 100 times better than the interest rate offered at big banks.

Open Your Account

14. Get $30 In Cash Back Rewards When You Pay Your Rent This Month

Piñata is the first rewards and credit building program for renters. You get rewards when you fly, when you pump your gas, but why not with your single biggest monthly expense? Piñata changes that. When you use the Piñata app you get amazing rewards just for confirming your on-time rent payments.

You can also build your credit! Here’s how Piñata works, you download the app and go through their account creation. It takes about 90 seconds. Get a $30 gift card and your first Piñata Cash to spend on rewards of your choice. It’s that easy.

Every rent day, you’ll earn Piñata Cash just for paying your rent like you already do.

You can redeem your Piñata Cash for rewards of your choice like fitness experiences to gift cards at brands you love. Opt-in to report your rent payments to credit bureaus and finally get “credit” for on-time rent payments.

Claim $30 Now

15. Cancel Your Cable TV Today & Save $1,000’s

FuboTV is widely regarded as one of the best online T.V. streaming services for live entertainment. Earlier this year, FuboTV inked a deal with Viacom that added MTV, Nickelodeon, VH1, Comedy Central, and more to its already robust collection of channels. What does that mean to you? FuboTV may have the most extensive library of live television content of any streaming television service.

Not only does FuboTV’s channel lineup rival any of the major streaming service providers, but it also dwarfs your local cable network provider’s basic T.V. package. PLUS: You get local channels with your FuboTV package. Watch all your favorite shows on CBS, Fox, USA, NBC while enjoying all the cable channels you have grown to love.

Try it out for free! There’s no equipment to rent and no long-term contracts.

Open Your Account

16. Claim Free Gift Cards Every Time You fill Up With Gas

Many of us use our debit cards for most of our everyday purchases. Those trips to the grocery store or gas station add up. That’s why you need to download the Drop app now!

Drop is an easy-to-use app that lets you earn gift cards for the money you’re already spending. Once you’ve downloaded the app, you’ll be prompted to link your debit card. Don’t worry, Drop uses bank-level encryption, so your information is more than safe!

After you’ve activated your account, you’ll choose five of your favorite stores. You will want to pick the largest stores you shop at the most like Wal-Mart, Starbucks, Exxon, Target, Amazon or wherever you spend the most money.

That’s it. You simply shop and earn points. Drop will allow you to redeem the point for gift cards to stores like Amazon, Walmart, Target and more.

Open Your Account

17. Claim A $10 Amazon Gift Card Just In Time for The Holidays

Unlike other rewards websites that are less established, MyPoints has been here since 1996. That’s almost 25 years of solid reputation under its belt.

MyPoints rewards points can be redeemed in $5 increments. You can earn rewards for playing games, watching movies, or even reading emails. MyPoints has a massive list of redeemable items, making these points more lucrative than many other survey rewards sites. A popular way to redeem these rewards points is by getting gift cards for some of the most popular restaurants and retail stores on the market.

Plus, if you register today, you can claim a $10.00 Amazon Gift Card!

Open Your Account

*Investment advisory services offered by Stash Investments LLC, an SEC-registered investment adviser. This material has been distributed for informational and educational purposes only and is not intended as investment, legal, accounting, or tax advice. Investing involves risk. This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers. The offer is subject to Promotion Terms & Conditions.