Whether you’re short on money this holiday season or have just enough put away to cover your gifts, a Choice One Holiday Bucks Loan may help you get the extra funds to take advantage of a great deal this month. Maybe you regret ignoring those Black Friday sales. Although no one on your gift list needed a new TV, you’re wishing you had taken advantage of the sales to upsize your own. Well, it’s not too late; there are still plenty of great deals out there. If you just don’t have the extra funds to take advantage of one of these big deals, we have a solution. A low-interest personal loan can help you work your way through your wish-list with your savings intact. Personal loans, such as Choice One’s holiday bucks loan, typically offer lower interest rates than credit cards, as well as fixed terms. Bam. It doesn’t get better than that!
Smart December purchases
So besides TVs, what other deals are out there this month you ask. Another biggie is jewelry. Maybe you’re looking to buy that special someone a nice piece of bling or are getting a jump-start on Valentine’s Day. In the weeks leading up to Christmas, many businesses are offering big discounts trying to snag customers from their competitors. If you’re in the market for jewelry, it may be the right time to make a purchase.
Are you a football fan? Who isn’t, right? Well, December can also be a great time to load up on a variety of football gear, so you can root, root, root for your favorite team next year. The season is coming to an end, and unless your team is really doing well, their merchandise is probably on sale this month. This goes for clothing as well as other team merchandise.
Love to cook? Perhaps you’re in need of some new cookware or small kitchen appliances. December can be a great time to find big discounts on hundreds of items for your kitchen. You can stock up on items on your own wish list or purchase shower or wedding gifts you may need in the coming months. If you’re in need of a new KitchenAid or a cutlery set, you’re in luck, because you can find some huge discounts.
Maybe it’s a new car that is at the top of your wish list. Mid to late December is definitely the time to be shopping. Dealers are eager to get rid of older models and to improve their year-end sales numbers. The deals will get better as we get later into the month. While a small personal loan isn’t going to get you a new car, a low-interest auto loan will. Get pre-approved at your credit union before heading out for even greater buying power.
December travel deals
You may think that December is the worst time to travel or book a trip. A quick scan of Travelzoo or Travelocity shows some great deals on last-minute trips to beautiful places both in the U.S. and abroad. Another popular site for last minute trips is icruise.com, ideal for those looking to set sail on the open seas. Last Minute Travel, is just as its name suggests, for those looking to plan a getaway within a short period of time. Another favorite travel deal site that’s been around for quite a while is Expedia. You can even get App-specific deals when you download the Expedia App. You’ll find special year-end getaway deals and big discounts on hotels. If you’re looking for a getaway, but not really sure where you want to go, Google Flights enables to enter your departure city and travel dates. You leave your destination blank and a map shows you the lowest prices available to cities all over the world. It’s a fun way to plan a spur of the moment trip!
The end of the year is also a great time to buy items you may be able to deduct on your taxes. Have your own business and need a new computer? Then grab it now before the start of the New Year. Need a loan? Remember, Choice One Community Credit Union is here for all of your borrowing needs.