Personal Loans for Holiday Shopping in the US
Need extra funds for holiday spending? Compare personal loans for seasonal gift shopping in the US. Fixed repayment terms.
Estimate Your Holiday Shopping Payment
For illustration only • Actual rates vary by lender
Estimated Monthly Payment
$130/mo
Based on 22% APR (USD) • Rates vary by state
Managing Holiday Spending with a Personal Loan
Americans spend significantly during the holiday season. Rather than accumulating high-interest credit card debt, a personal loan with fixed payments can be a smarter way to finance holiday expenses.
Average Holiday Spending in the US
| Category | Average Spend (USD) |
|---|---|
| Gifts | $650–$1,000 |
| Food and entertaining | $200–$500 |
| Decorations | $50–$200 |
| Holiday travel | $400–$1,500 |
| Total average | $900–$1,600 per person |
Source: National Retail Federation annual survey data
Personal Loan vs. Credit Card
| Factor | Personal Loan | Credit Card |
|---|---|---|
| Average APR | 7.99–29.99% | 20.99–29.99% |
| Payment structure | Fixed monthly | Minimum payments |
| Payoff timeline | Set term (1–5 years) | Can stretch 10+ years |
| Total interest | Lower with discipline | Often much higher |
Recommended Loan Amounts
$1,000–$5,000 for holiday expenses.
How to Apply
- Set a realistic holiday budget
- Apply for the difference through 365 Loans US
- Enjoy the holidays with a clear repayment plan
Smart Holiday Tips
- Start saving in January with a dedicated holiday fund
- Set per-person spending limits
- Take advantage of Black Friday, Cyber Monday, and Amazon Prime Day
- The CFPB recommends a written holiday budget to avoid overspending
- Consider experience gifts — they're often more meaningful and cheaper
Editorial Note: Our content is reviewed by financial experts for accuracy. We may receive compensation from partner lenders, which does not influence our rankings or recommendations. Read our full disclosures
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