Bad credit can be a real Grinch! But we’ve got the tools to save the Holidays and even boost your bank account.
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. A Loan Service That Is Faster Than Santa
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, so 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 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. Credit card debt can get out of hand fast, but you don’t have to continue paying those outrageous interest rates.
2. Apply For An Easy Loan
Founded in 1999, AmOne is another online loan matching platform, tat 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 certain 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 credit worthiness.
Fill out a short form on their website and you will receive an instant response.
3. Pre-Qualify For A Credit Card Built For You
We all make New Years’ resolutions that go unfulfilled. Well, this year can be different. You can pre-qualify for the Milestone Gold MasterCard and see if opening a new credit card works for you.
When you pre-qualify for the Milestone Gold MasterCard, it gives you a better idea of whether or not you are going to be approved for a new account. Pre-qualification won’t hurt your credit score, unlike many other credit card applications.
Milestone Gold MasterCard comes with a minimum $300 opening line of credit based on your creditworthiness. It also has a first-year annual fee as well. That will also be based on your creditworthiness. The APR is lower than most credit cards for people who have less than perfect credit, 24.9%. It can be a great way to set a new credit milestone for 2020 and get your finances on the right track for 2020.
4. Borrow Up To $500 With No Credit Checks & No Interest
There’s a simple app millions of American’s are using to get cash loans with NO INTEREST & NO CREDIT CHECKS. Earnin was created to eliminate the use of payday loan services and to treat borrowers fairly. Earnin allows you to collect your paycheck early and borrow up to $500 before payday.
Earnin is perfect for people who are hourly or salaried employees who use an electronic timesheet at work, or work from a fixed location and have a valid checking account.
Earnin is available in all 50 states. It’s easy and simple to use. Just create a profile on the app and give it access to your checking account. Anyone can download Earnin, and it works on almost all smartphones.
You can access money only once you’ve earned it. Earnin will not charge you any interest or perform any credit checks. You can pay an optional tip, usually between $0 and $14, if you want.
5. Apply For More Than A Loan From AmOne
Founded in 2009, Monevo has grown to become the nation’s largest loan and financial matching company in the US. Although they help people in all types of situations, if you are a person with poor to fair credit, you may benefit the most by working with them.
Monevo specializes in assisting people find the right financial solution based on their individual needs. With their large lending and financial network exceeding 30 providers, you can be certain there is no place better to go to ensure you get connected with the best option and receive a top-rated customer experience. Monevo lender rates start at 3.99% APR, but may vary based on your credit history and income.
Their process is very simple. Fill out a short form on their website and you will receive an instant response, without effecting your credit score. If you have been turned down before, Monevo is ready to help you.
6. Apply for A Line Of Credit For All Your Holiday Shopping
Wouldn’t it be great if there was a place you could do ALL of your holiday shopping on affordable credit WITHOUT a credit card?
Well now there is, and you don’t have to send a letter to the North Pole to get there.
Fingerhut is a store that extends in-store credit to qualified customers. And the holiday shopping goodness is extensive. They have designer clothes from designers like Michael Kors, Tory Burch, Ralph Lauren, and more. Plus cutting-edge electronics and computers from brands like; Apple, LG and Samsung. You can purchase jewelry, furniture, appliances and more. There’s a fixed 29.99% APR for all purchases. It’s just like shopping at Amazon, but you don’t have to pay right away if you don’t have the cash on hand.
Fingerhut saves Christmas for families around the country every year. See if Fingerhut is right for you.
7. Work Smarter During The Holidays
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 a 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.
8. Get Pre-Qualified For A Platinum MasterCard
People with damaged credit sometimes have a tougher time during the holidays. If you want a credit card with no security deposit should consider the Indigo Platinum MasterCard. You can pre-qualify with a soft inquiry. The Indigo Platinum MasterCard’s pre-qualification process allows you to see if you’re eligible for approval without actually submitting an application which would trigger a hard credit inquiry that could temporarily reduce your credit score.
Like all other credit cards, Indigo reports to the major credit bureaus each month. Depending on your creditworthiness, the Indigo MasterCard will charge an annual fee of $0, $59, or $75 the first year. The Indigo Platinum MasterCardCard limit is $300. Balances carried from month to month with the Indigo Platinum MasterCard will accrue interest with an APR so pay attention to what rate you are offered.
9. Trade In Your Clunker For A Cheaper Car Payment
Some of us are still paying high-interest rates for cars that barely move without hitching a reindeer to the front bumper.
Because of the way the economy is moving, you’re likely paying a lot more for your car, truck, or SUV than you would be if you bought a new one now.
Trading in your car and getting a new one can lower your monthly costs while saving you a ton on tune-ups, gas, and more. Auto Credit Express can take care of all the complicated stuff QUICKLY so you can give the family (and yourself) a brand new sleigh for Christmas. Special Note: They Specialize in helping car shoppers who have bad credit!
10. Apply For The Right Loan For You
LendJet is a FREE service that can match you with hundreds of loan providers. These providers can provide you with a personal loan of up to $10,000, that you can use for anything your choose.
Apply with a few clicks. The underwriting process can take as little as 24 hrs. If approved you can receive from the next business day. Pay attention to the APR you are offered, as it will be based on your current credit score, income and possibly more. All credit types are welcome to apply as LendJet lenders have seen it all.
11. Get Double The Credit You Deserve
The Merrick Bank Double Your Line™ Visa® Credit Card does MORE than just live up to its name. True to its name—Merrick Bank Double Your Line™ Visa® Credit Card - will double your initial line of credit if you make at least your minimum payment for the first seven months your account is open.
For example, if you start with an initial credit line of $500 and you make seven on-time minimum payments, then your credit line may increase to $1,000. Why is this important? This can lower your credit utilization, which has a positive effect on your credit score.
Based on your credit history, the Merrick Bank Double Your Line™ Visa® Credit Card could have a 20.45% to 29.95% APR. There is also a one time set up fee and annual fee as well.
You can Pre-Qualified in less than 60 seconds without harming your credit score. Credit lines range from $550 - $1,250 which could double to $1,100 - $2,500.
12. Get Rid of Cable With No Deposits Or Credit Checks
If you are paying a cable company to watch television you’re paying way too much! The average consumer pays almost $1,500 a year to watch cable television.
Get Disney Plus, ESPN Plus & Hulu for just $12.99/month. You can stream all your favorite shows, movies and sporting events for a fraction of the cost. Plus there are no credit checks or deposits to pay!
Millions of Americans are quitting cable every month. The cable company doesn’t need your hard earned money.
13. Give Yourself A Special Gift
Experian Boost™ was built to help people with no credit or bad credit improve their FICO scores quickly. You simply register and connect your bank account to the app. Experian Boost™ will 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! Your score should “Boost” instantly. No credit card is required to register!
If your goal is to get your credit on the right track you must try Boost! Results may vary, see website for details.
14. Get Price Protection For Your Holiday Purchases
Ok, now that you’ve got some extra cash, let’s talk about how you can make it go further when you brave those Black Friday mobs.
Paribus is a new tool by Capital One which tells you how to find the cheapest prices for everything on Santa’s list.
And here’s the cool thing: this online tool will track your purchases and get you refunded if a sale begins after you’ve already made a purchase.
For example, If you buy a bike for $300 at Target and it goes on sale the next week for $200, Paribus will manage the return process for you and get you the new bike for the sale price. Paribus users save an average of 20% on their shopping!Paribus compensates us when you sign up for Paribus using the link provided.
Bad Credit Won’t Put You on the Naughty List in 2019
It’s easier than ever to do your holiday shopping with bad credit in 2019. Don’t let anyone tell you differently—most Americans don’t have good credit, but everyone deserves a Merry Christmas, a Happy Thanksgiving, and Champagne-soaked New Year’s Eve.
To sum up, we’ve seen a bunch of amazing programs and services on this list. But, if we had to choose a few must-haves for the holiday season, we’d recommend the following. Make sure to download or bookmark these tools:
How Homeowners Should Ring In The New Year