How to Maintain Your Credit During the Holidays

When you think about the holidays, you might think about a chill in the air, coming together with friends and family, exchanging gifts and gratitude.

What you might not think about is how to maintain your credit score throughout the season. Your credit score doesn’t have to suffer this holiday season. From getting a personal loan to sharing meals, we gathered some holly-jolly to give yourself the gift of financial wellness this holiday season.

How to keep up your credit this holiday season

Personal Loan

What if you could have all the money you need to fund your holiday at the start of the season? With a personal loan, you can plan out your holiday spending responsibly. Plus, all the loan terms are clear and up-front – from your fixed rate to your payoff date, there are no unwelcome surprises. And with consistent and on-time payments, you can even give yourself the gift of stronger credit.


Make a list of must-haves and a list of things you can live without. This will help you figure out what to focus your spending on. Can’t imagine a holiday without a turkey dinner and big gift for everyone? Put them in the must-have list. Would your guests really notice if you don’t have a real tree, or if you only have one dessert instead of three? Put those in the live without list. Prioritize the things you want so you can cut costs elsewhere.

Plan ahead

Make a realistic budget, set your expectations, and start saving. Any amount you save, big or small, will help ease the financial pull of the holidays once they’re here. When you give yourself a little extra time, you can shop around to find the best price on big ticket items. Starting early on shopping and saving will help you avoid making hasty last-minute purchases.


When you think about it, a potluck style dinner isn’t really a compromise. It’s an example of what makes the holidays great — everyone sharing something that they lovingly made. You can assign your guests different dishes. Have your sister bring the tamales, have your auntie bring the rice, let your brother bring a backup beverage. Not only does this lighten the financial load off any one person, it’s also a great way to get everyone in on the season of giving.

With a little mindfulness, you can make the most of your budget this holiday season. If you need an extra financial boost to get you through it, consider a personal loan. We offer personal loans for fair credit, bad credit, good credit, or no credit at all. And best of all? With consistent and on-time payments, you can build or strengthen your credit.

Give yourself the gift of a stress-free holiday this year (and maybe even a little credit boost)!

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