What is a Holiday Loan?

A holiday loan is a personal loan that you can use for Christmas gifts, other holiday gifts, travel plans, and anything else related to seasonal activities.1

Holidays are when memories are made. But if you’re short on cash, festivities can feel fretful instead of fun. A holiday loan could help you increase your budget when you need it most and allow you to pay the funds back later.

How to Get a Holiday Loan

Prequalifying for a holiday loan is simple.


Fill out a pre-qualification request (this won't affect your credit score) or visit your local branch.


Verify your information during the loan application process. Make sure everything is accurate!


Sign loan documents and get your money. If approved, you will receive your funds the same day in the form of a paper check. 2

Get Pre-Qualified

 Why Get a Holiday Loan from Republic Finance?


  •  Fill out a pre-qualification request (this won’t affect your credit score).


Got a moment? You can pre-qualify in minutes with no impact on your credit score.


Our customers love us. More than ten thousand customers rated us on Feefo an average of 4.9 out of 5 stars last year.

What Are the Holiday Loan Requirements?

Qualification depends on several factors, including loan amount, available collateral, and credit history.

Not sure if you qualify? Visit our Pre-Qualification Page. This won’t affect your credit score.

If you do qualify and you’re approved, you can just sit tight. We’ll work fast to get you your funds!

How Do Holiday Loans Work?

Holiday loans work by getting funds upfront and paying them back in monthly installments. Then, you can use your loan for a variety of purposes for the holidays.
Under certain conditions, you can get an unsecured holiday loan completely online; there’s no need to even get off the couch.3

If you pre-qualify, you’ll get information regarding your loan options. If you’re approved, you can sign and receive your funds as early as 1-2 business days. It won’t take long!

Get Pre-Qualified

What Are Some Advantages of a Holiday Loan?

One main advantage of a holiday loan is that it offers a more predictable payment schedule than credit cards. A holiday loan could be a good alternative to charging numerous holiday purchases to a credit card. 

Further, holiday loan funds can be used in a variety of ways: gifts, travel, food, parties, or other holiday related expenses. You can pay these expenses back through a clear, fixed payment schedule that you’ll agree to before you sign.

1. For typical applicants, loan offers feature quotes for loans with terms of 12 to 60 months. As an example, if you borrowed $7,000 with a 30.04% Annual Percentage Rate (“APR”) and a 60-month term, your payments would be $226.47 per month. This example is based on an average customer with good credit. APRs will not exceed 35.99%. Loan terms (e.g., rates, origination fees and max. loan amounts) apply based on your state of residence and may vary depending on your creditworthiness. Optional voluntary products are available for purchase with any secured loan extended, based on qualifying factors. Not all consumers will qualify. Additionally, not all consumers will be eligible to apply for an online unsecured loan through Republic Finance’s website. Secured loan applications and closings must be completed with a branch employee, and not on our website. Secured loans will have collateral and insurance requirements. The purchase of any required insurance from Republic Finance is optional. Auto-secured loans require a first lien on a vehicle that is titled in your name, and which has valid insurance. Current customers: some current customers may not be eligible for a loan refinance. All refinance applications and closings must be completed with a branch employee, and not on our website.
2. If you qualify for electronic funding, the funds will be deposited in your bank account within 1-2 business days. When closing a loan in a physical Republic Finance office location, you will receive your funds the same day in the form of a paper check.
3. Not all consumers are eligible to apply online.

Note: Insurance products offered by Republic Finance vary by your state of residence. For more information, contact or visit your local Republic Finance branch.