December is a time when interest in credit products is increasing and a larger number of people are arranging a loan. Usually, people borrow mainly for the purchase of Christmas gifts and, thanks to the plethora of different credit companies, have a wide choice. On the one hand, a Christmas loan can help, but the other side of the coin is a subsequent repayment – many people have trouble with it and often get into an even bigger crisis.
A Christmas loan can later bring financial problems
There are a few things to keep in mind when choosing the right Christmas loan. Above all, it is important to think about whether you really need a loan. If so, and no other solution is right for you, you need to carefully select a particular lender. In addition to the number of honest credit companies where you do not have to worry about any unfair behavior, there are, unfortunately, many fraudsters who only “pull money” from people. To avoid them, just follow a few basic tips:
- do not borrow from private individuals but only from credit companies
- first check the credit company on the Internet
- a reputable provider always has a website, never just a mail or phone
- a loan can always be arranged in person or online, never a condition for calling on expensive pay lines
- A reputable credit company will never ask you for a fee in advance
So if you choose a Christmas loan, never pay anything in advance to anyone and never call suspicious paid lines. The rational solution is to choose a loan, for example, through an internet credit comparator – you are in one of them.
Santa Loan – Available non-bank loan
If you are looking for a reliable Christmas loan with a high chance of approving, probably the best option is currently a Santa loan. It is a fast non-bank loan, which is arranged through the website www.santapujcka.cz. On them, you will fill in a short form that will then be used to contact the loan provider directly. The advantage of Santa’s loan is a broad credit facility of up to CZK 800,000, the possibility of spreading installments for up to 84 months, or quick settlement and payment of money in as little as 24 hours. We can clearly recommend Santa’s loan, is absolutely safe and proven.
More convenient Christmas loans
In addition to Santa’s loan, some other non-bank loans can be recommended. If you only need a small amount that you can repay at once, some companies offering the first loan for free can be a good choice – such as Zaplo.cz, Via SMS or CreditAir. Popular and inexpensive loans are also Home Credit’s Kamali or Ferratum Loan. If you need to borrow a higher amount, bank loans will pay off, with higher fees and interest for non-banks.
Alternatives to Classic Christmas Loans
However, the solution to the lack of funds before the upcoming Christmas season is not only a classic consumer loan. Other products, such as a bank overdraft or a credit card, may be a good alternative. But especially with a credit card, it is a good idea to realize that you should spend your money off, otherwise you can easily get into unpleasant debts.
Another option is P2P loans, which are becoming more and more popular – probably the best-known representative of this segment are Zonky. But here’s the fact that credit processing takes longer and P2P loans are not ideal for situations where you need to get money immediately. For such cases, the above mentioned Santa loan or other fast non-bank loans is a better option.