christmas tree and lights

Where To Find Christmas Cash When You Need It The Most

The holidays are fast approaching, and you might be realizing that you don’t have the Christmas cash you need to finish the year off right. Whether you need cash for last-minute gifts or a lump sum to pay an urgent bill, we’ve got four ways to find Christmas cash when you need it most.

Finding The Christmas Cash You Need

For some, finding the cash you need this Christmas may seem like an impossible task, but you could be wrong. In this article, we’ll discuss where to find the extra cash you need:

  • Within your budget
  • Through short-term work on top apps
  • In family systems
  • Through emergency fast-approval loans
  • And more…

It’s time to make sure you finish off the year strong and financially well. Let’s dive in!

Your Own Budget

You’d be surprised at the number of people who say they have a budget but don’t have any numbers written down. Keeping track of your expenses and income in your mind does not count as having a budget, so it’s time to sit down and do the dirty work of adding up every dollar you spend.

payday loan christmas cash in santa bag

Cutting back in one area of your spending could likely produce an extra hundred, or even hundreds, of dollars for you to use as Christmas cash. Plus, you’ll get to see where your money is truly going every month and make adjustments to better suit your goals.

Some common places we tend to overspend are:

  • Unplanned, trivial purchases like coffee, gas station snacks, “little” purchases (under $20) that we don’t need
  • Monthly subscriptions
  • Eating out
  • Clothing
  • Alcohol

Short-Term Seasonal Work

If you want to make extra cash before the holidays, you could pocket a few extra hundred bucks by working five more hours per week. Use your Saturday afternoon or weekday evenings wisely by completing short-term work on one of the following apps.

  • TaskRabbit: offers plenty of one-and-done jobs, from grocery shopping and delivery to helping someone pack up their home for a move.
  • Upwork: is good for freelancers like writers, personal assistants, and website developers
  • Uber or Lyft: if your car is in good shape, why not make cash driving around on the weekend? You can even write off the gas and mileage for taxes!
  • Turo: If you don’t feel like driving, you may be able to rent out your car for the weekend instead.
  • Wag: for dog lovers, sign up to be a professional dog walker in your neighborhood.

Remember that even though they’re short-term, these jobs are still considered taxable income, so be sure to consider that and put aside a portion for tax time.

Loans From A Relative

If you have a relative you trust, you may be able to ask them for a short-term loan for Christmas cash. If you want the cash for presents or holiday planning, try to limit the loan amount to something reasonable.

Also, get everything in writing and be clear about when and how you’ll repay your relative – you don’t want any issues arising that could affect your relationship in the future!

Emergency Loans

If you need Christmas cash for an urgent bill, you may not have the time to wait for a paycheck or rearrange your budget. Those without an emergency fund, well-off family member, or other resources can instead turn to emergency loans from Utah Title Loans, Inc.

We offer title loans, payday loans, and signature installment loans to deal with short-term financial emergencies. Payday loans are perhaps the fastest option when it comes to getting your money fast and paying it back even faster to get back on financial track. They’re given in amounts from $100 to $500 and can be applied and approved for in a day.

man with christmas cash payday loan

How To Qualify For An Emergency Loan

To qualify for a quick payday loan, you’ll need to be 18+ with a valid state I.D., have your most recent pay stub, and manage your checking account. You’ll need a blank check from this account to apply.

If you have income from something other than a W2 job, you can still speak to one of our representatives to see if you qualify.

Applying For An Emergency Loan

Applying for your emergency Christmas cash is easier than ever. Once you have your I.D., blank check, and proof of income, you can fill out the general form on our homepage to get started. Then, wait for a call from one of our representatives.

The representative from your local Utah Title Loans, Inc. branch will discuss the loan details with you and plan a time to meet in person. There, you’ll provide your documents and complete your installment loan request.

If everything gets the green light, you’ll get your cash that day or the next business day.

Get Your Christmas Cash Now

Getting Christmas cash in a pinch isn’t the easiest, but you can snag a few extra bucks in the coming weeks. Rearrange your budget, complete a few short-term jobs, speak to a family member with financial resources, or consider an emergency payday loan if you need the money ASAP.

A quick payday loan from Utah Title Loans, Inc. could put a few hundred bucks in your pocket within a few hours. All you need is income, a bank account, and your I.D. to get started. Complete the short form on the homepage to take the first step towards your Christmas cash now.


Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Emma Frost

Emma Frost is a lifestyle and finance blogger with a talent for communication and a passion for financial literacy. She uses her writing talents to explore topics that help her readers gain financial stability and growth.