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How Should I Fund My Holiday Shopping?


You’ve made your list and checked it twice, but before you head out to the shops to get those holiday gifts, you’ll need a way to pay for them without breaking your budget, or your savings.

The good news is, you can keep your budget and your sanity both intact this holiday season!

1. Low-interest credit cards

It’s never a good idea to rack up debt. However, if you can get your hands on a credit card that offers low everyday rate, paying for purchases can be manageable. Just make sure you use good credit card habits, like paying off your card regularly, to avoid slipping into debt. The USALLIANCE Visa Classic card has one of the lowest everyday rates out there. Check with your Member Services Representative to see about our current rate promotions!

2. Personal loans

Have a specific high-ticket item in mind for this year? Stop by USALLIANCE Financial and ask about a Personal Loan. Our representatives are always happy to help, and you can walk out with the money you need to fund your holiday shopping shortly after starting your application. However, if you’re already carrying a load of debt and unpaid loans, don’t take out another one just to get you through the holidays. Consider lower cost gift ideas and focus on paying off debt – maybe even look into a debt consolidation loan to help you dig yourself out.

3. Skip-a-Payment

We know the holidays can be super expensive, and sometimes having to plan for your regular loan payments can dampen your holiday spirit. Think about taking advantage of our skip-a-payment option. Available for select loans, eligible members are allowed to skip a payment without hurting their credit or defaulting on their loan. Speak to a Member Services Representative today to find out if you have an eligible loan!

4. Club Account

Don’t wait until Black Friday to start thinking about your holiday shopping. Pay a little bit toward this expensive season all year long by opening a Club Account for next year. This way, when November rolls around, you’ll actually look forward to buying all those gifts instead of dreading it. Put the cheer back in your holiday season by opening a Club Account today!

If you’re still struggling to get through the holiday season, we can help! Stop by USALLIANCE Financial today. We’ll show you how to stay in the black when your holiday expenses have you seeing red.