Holiday loans

The holidays are a time to spend with family and friends, making memories and enjoying life to the fullest. But they can also be stressful if you don't have the funds you need to cover your seasonal expenses. Luckily, holiday loans from Citizens Financial can help to make the season as merry as possible.

Whether you’re borrowing $500 or $5,000, Citizens Financial Services can help make sure you give your family and friends the best holiday season ever. When you want the best Christmas loans to keep the holiday spirit alive, call Citizens Financial for all your holiday loan needs!

When you take out a Christmas loan from Citizens Financial Services, you’ll have the money you need to buy the best gifts, serve the best food, and even visit far-away family you only get to see once a year.

Using holiday loans to cover expenses

People tend to spend a lot of money over Thanksgiving, Christmas, and New Year’s, during the holiday season. Putting on feasts for guests, decorating, and buying gifts for friends and family can be expensive. Also, a lot of people face costs related to travel, plane tickets, and hotels.

You only live once, and it’s important to enjoy your family and friends for the holidays. To make that possible, you want the best holiday loan.

holiday loans

How we evaluate loan applications

The most important questions people ask when looking for holiday loans is “How much can I borrow?” and “What is my monthly payment?” Citizens Financial Services offers personal loans from $500 up to $5,000.

When looking at your loan application, we take a lot of factors into account such as your current income, job history, debt-to-income ratio (how much money is going out versus what is coming in), and your track record for paying back other loans in the past.

Paying back holiday loans

When you take out holiday loans, you’re able to enjoy the season with those you love. But you’ll also need to make sure that you have a plan to repay them. Many people repay holiday loans with their tax returns or Christmas bonuses from work. Others know that they will have a little extra money free in their monthly budget after the New Year so they can repay the loan.

To be on the safe side, take some time to look at the numbers and make sure that the loan repayment is going to be manageable once the holidays are over. You may also want to make sure that the items you are buying are worth the cost. For instance, if you’re going on a big vacation that is going to bring lots of memories, it may be worth taking out a holiday loan. Similarly, if you’re buying your kids something significant that is going to make their faces light up and also create a lot of memories, borrowing for seasonal expenses can make it all worth it.

The holidays are a time of happiness and joy. Holiday loans can make the process easier. To learn more or to start an application, contact us at Citizens Financial.