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Holiday Shopping With Less Than Perfect Credit - 2020 Guide

Ben Gordon
Holiday Shopping With Less Than Perfect Credit - 2020 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. Apply For A $2,500 Credit Limit

“Costly life events happen, but people shouldn’t have to pay up to four times retail prices for what they need!” That’s a direct quote from the CEO of Zebit. What is Zebit? Well, Zebit is an online store that offers no interest, no membership fees, and no FICO® score needed.

Zebit offers its customers access to a $2,500 line of credit to shop thousands of products on their site. “How does Zebit make money?” Like any retailer, Zebit sells products that it purchases at wholesale prices. The spread between the wholesale price and the listed price is how Zebit makes money.

Zebit offers members the flexibility to pay for anything they buy over time. Zebit offers every type of product you can imagine. Electronics, computers, furniture, appliances, and gift cards to stores like Macy’s, Target, Lowes, Banna Republic, Old Navy, and more. Shop directly from Zebit’s website for major brands like Apple, MCM, Samsung, Fitbit, Kitchenaide, Sony Playstation - you’re not getting cheap stuff!

To qualify for a Zebit account, you will need to be over 18, employed, retired, or disabled with benefits. Remember, applying for a Zebit account won’t affect your credit score.

Apply Now

4. 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). InboxDollars 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 InBoxDollars is fast and easy.

Register Now

5. 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

6. 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

7. Trade-In Your Clunker For A Cheaper Car Payment

If you bought a new car, truck, or SUV in the past 24 months, you probably paid too much. The stay at home orders caused a massive “glut” in the car market. Dealers need to liquidate their inventories asap. Some auto manufacturers are even offering 0% APR for 7 years to qualified buyers.

Fiona, from Even Financial, is one of the most comprehensive loan search engines in the world! Fiona can help get you into the new car, truck, or suv payment you can afford. They could even get you approved for financing with a FICO Score below 550. You just need to click on the link below and search under “auto”. Remember, using Fiona will not affect your credit score!

Apply Now

8. Make Sure You Don’t Miss One Pay-Check In 2021

25 % of Americans suffer a disability before retirement that could affect income-earning ability. Life events such as these can be catastrophic, but they do not have to be if you use Breeze Disability Insurance.

No one enjoys buying disability insurance, but Breeze offers an easy online solution. You just tell Breeze a little about yourself, select your coverage, and then apply. There are no agents with high-pressure sales tactics, and you are in control of the decision that best meets your need.

Get Breeze

9. 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

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

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

Gabi 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 Gabi to scan your current online insurance account (Gabi is 100% safe and secure).

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

Learn More

11. You Could Boost Your FICO Score Instantly

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

12. 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

*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.