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Christmas Loans Australia for Bad Credit

Can you feel it? The excitement is rising for the best gift of the season: Christmas loans for everyone from G'day Loans! When the Christmas bells are ringing, and the tinsel is on the tree, you know without a doubt that everyone’s gearing up for a bit of festive cheer. But what would Christmas be without gifts beneath the tree? What would Christmas be without rent paid, doctor’s bills settled, and the trusty car in the driveway, serviced and safe to transport you and your loved ones from A to B?

For some, especially those who haven’t received a bonus or taken advantage of Christmas Loans Asutralia, the festive season is nothing less than another black void of debt looming over them. And while you might not want to start the New Year with a fresh wave of debt, there are small Christmas loans available to get you over the hump of Christmas expenses and into the future with a smile on your face. Spoil yourself early with our Christmas loans online so that you can spoil your family and enjoy the season without constantly fearing the consequences of unpaid bills and expenses. Everything you need to know about Christmas loans can be found below.

1. What are Christmas Loans Australia, and How do Christmas Loans for Bad Credit Work?

First of all, you’re probably wondering what on earth Christmas loans are! Small Christmas loans are probably one of the best gifts we’re able to give our clients this year, and it’s because we know just how tough finances have been over the preceding 11 months for many people.

With the world changing its festive format through pandemics and travel restrictions, we’re forced to face the reality that nothing compares to the comfort that Christmas loans 2021 will bring to so many people. While we can’t wrap our loans for Christmas in tinsel and sparkly wrapping paper, we can provide them with something even more meaningful: easy repayment terms and reasonable interest rates!

We believe we’re doing something right when it comes to Christmas loans Australia. And you may be even more delighted to discover that we’re not just offering regular Christmas loans, which are holiday loans designed to behave like instalment loans with a fixed timeline and monthly payments. We’re also offering the likes of Christmas loans for unemployed individuals, Christmas loans Centrelink options, and Christmas loans for bad credit Australia. We’re even throwing in Christmas loans no credit check for those with a shaky credit history. There’s a Christmas loan for everyone at Gday Loans.

Holiday loans over the Christmas season are designed to act like short term loans. Simply apply online, wait for information on the expected repayment date and interest rate, make your decision and spend your money on whatever your heart desires. Of course, there’s an element of responsibility that must come into play when applying for Christmas loans online, even if the so-called “silly season” is well underway. What do we mean? As is the case with all loans, you will need to determine the monthly instalment on the required loan and budget for it accordingly. You should never apply for a loan you know you cannot afford to repay.

2. Types of Loans for Christmas Australia

For some, the term Christmas loans can be a little confusing. Does it mean that you can only spend the money on gifts, tinsel, wrapping paper, and the Christmas day feast? Do you have to believe in Christmas and its traditions to apply for such a loan? The answer to all of the above questions is no! You can use Christmas loans to do all of those things, yes, but you can also use them to renovate your house, fix your car, buy a new appliance, pay outstanding bills, or even go on holiday – it’s really up to you.

Below is a quick glance at some of the types of Christmas loans 2021 available at

  • Same day Christmas loans
  • Christmas loans bad credit
  • Christmas loans Centrelink
  • Christmas loans no credit check
  • Christmas loans for unemployed
  • Christmas payday loans

3. Features of Bad Credit Christmas Loans

What makes our loans for Christmas at Gday Loans so unique are their features. 

  • Affordable, Small Christmas Loans 

At Gday Loans, our Christmas loans are designed to be affordable and thus easier to repay than hefty loan amounts. Loans on offer range from $150 to $2,000 with most lenders on our panel, but there are those who will consider you for a loan of up to $5,000 if you meet all of the criteria and can afford the repayments.

  • Reasonable Loan Terms & Fees

Christmas loans Australia at are about lifting you up, not dragging you down. As such, our lenders provide reasonable repayment terms that depend on your affordability and, of course, the amount provided. Christmas loans 2021 acquired via the G’Day Loans platform can be repaid over 12 to 24 months. When it comes to fees, expect to get the gift of no interest whatsoever on loans below $2,000. You will be charged a 20% establishment fee and a 4% monthly fee on loans above that amount. You may be even more surprised to find that some lenders will reduce their fees to make the festive season even more cheerful for you!

  • Get Your Cash in a Hurry

Christmas shopping is already well underway, both online and in store in Australia. If you want to snag that Christmas deal or pay your bills before the red notices start coming in, you’re sure to be in a hurry to get a bit of extra cash. The good news is that whether you’re applying for Christmas loans bad credit, Christmas loans Centrelink, Christmas loans for unemployed, or any other kind of Christmas loans, you’re likely to get the money paid out within just one hour of loan approval. Of course, this can vary from lender to lender, but most applicants don’t wait anything longer than a max of 24 hours! 

4. Examples of Small Christmas Loans in Australia

Below are a few examples of Christmas loans 2021 to help you decide if it’s the right kind of loan for you.








3-12 months

Same day

20% establishment 4% monthly fee

Sunshine Loans


9-14 weeks

60 Minutes

20% establishment 4% monthly fee

Ferratum Money


3-12 months

Same day

20% establishment 4% monthly fee

5. Advantages and Disadvantages of Christmas Loans

There’s always that moment when making financial decisions when most people wonder, “Am I doing the right thing?” And at, we want to ensure that when borrowers are linked to lenders, they’re confident that they’re making the right choice for them. Below are several pros and cons of applying for Christmas loans online this season, so you can decide for yourself.

Advantages of Christmas Loans Online Australia

No interest if you borrow less than $2,000!

This is surely an exciting advantage! If you’re borrowing less than $2,000, according to Australian law, the lender cannot charge you any interest! Instead, you’ll be charged a monthly service fee of just 4%, which most people agree, is entirely affordable. But what if you need more cash than that? No worries, you can still take Christmas loans online of more than $2,000. You’ll simply be expected to pay interest which can be anything up to 48% APR.

Apply in a jiffy

Here at Gday Loans, we mean it when we say that you can apply for our Christmas loans 2021 in a jiffy! In fact, we’d be surprised if the entire process takes you more than just a few minutes. You can have the online application filled out and the outcome of your loan delivered in less time than it takes to make and drink a cup of coffee.

Higher chance of loan approval

Yes, you read that right! When you apply for a loan with Gday Loans, you have an increased chance of getting approved for the loan for several reasons. The first reason is that we offer Christmas loans for unemployed individuals, Christmas loans bad credit, and Christmas loans Centrelink. Another reason is that we have an extensive selection of Australia’s finest lenders on our panel, which means there’s usually a lender willing to help a borrower in need. Of course, you need to meet the stipulated criteria and be able to afford the loan.

Disadvantages of Christmas Loans

Not the cheapest form of borrowing

It’s undeniable that Christmas loans don’t come cheap. Because these loans are quick and easy to apply for and receive, they come with a downside; the expense. That said, for those people who don’t have time to deal with the red tape of banks, have a poor credit history, are unemployed, are on Centrelink, or need cash in a hurry, these same day Christmas loans are the ideal choice.

6. Eligibility Criteria for Personal Loans for Christmas

Are you eligible for small Christmas loans? Find out the eligibility criteria below:

At least 18 years of age.

Permanent resident of Australia with a residence in the country.

Proof of income of $350 per week or above (if you’re in the market for a Christmas loans Centrelink, at least 50% of your income needs to come from other means).

Have a stable credit history (not all lenders require this as we do offer Christmas loans for bad credit Australia).

7. Christmas Loans Application Process

Applying for Christmas loans online is easier than you think. Simply follow the steps below, and you’re good to go!

Step 1 - Decide how much you need to borrow

Having the correct amount in mind is important as it ensures you don’t apply for unnecessary funds. Remember, you have to repay the loan, so only request an amount you can afford to comfortably repay. 

Step 2 - Fill out the online application form

Now, it’s time to input your personal particulars. Lenders use these details to determine what type of loan is best for you and if you’re eligible. It’s important to provide your correct identity particulars, address, income specifics, and banking details. Once you’re happy that all the information on the form is true and correct, click “apply.”

Step 3 - Wait to hear from our lenders

When lenders submit applications for Christmas loans, the applications are transferred to our panel of lenders for their consideration. If a lender can assist, you will receive feedback on your application within minutes. If you’re declined, you will see a message advising you of such. Once a lender indicates that they can assist, you will be transferred directly to them to finalize the process. 

8. FAQ's

Can I Get a Christmas Loan if I am on a Low Income?

Yes, you can get Christmas loans if you’re on a low income, but you still have to earn the minimum required amount in total. For instance, most lenders require borrowers to earn $350 per week to qualify. If your regular job pays you less than that but you still receive money each month from other/additional income streams (allowance, benefits, royalties, rental income, side hustle money etc), then you could still be eligible. 

Can Anyone Apply for a Holiday Loan?

When it comes to Christmas loans and even Christmas loans for unemployed individuals, Christmas loans bad credit, and Christmas loans on Centrelink at Gday Loans, we don’t discriminate. Anyone is welcome to apply if they meet the eligibility criteria. This means you must be 18 years or older, be a permanent resident of Australia, and earn the minimum monthly amount.

Am I Eligible for Christmas Loans if I am on Centrelink?

Yes, you are. As long as 50% of your income comes from a source other than Centrelink. 

Can I Get Christmas Loans Australia With Bad Credit?

Yes, you can. Some lenders on our panel offer Christmas loans to bad or poor credit borrowers. The result is a higher interest rate than those who have a good credit record. 

Will Lenders Check My Credit Score When I Apply for Christmas Loans Online?

Not all lenders place credit scores as a top priority. Several lenders on the panel at Gday Loans offer loans to poor credit borrowers. Instead of taking your credit record into account, the lender will take a look at your current income and expenses and determine if you can genuinely afford the loan.

How much would you like to borrow?

  • Quick
  • Smart
  • Secure

100% Safe and secure. Apply with confidence, your privacy is always protected.