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Christmas Gifts for Wife

christmas gifts for wife

Looking for the perfect gift for your wife this Christmas? Finding just the right thing to wow her this holiday season can be tricky. Getting a gift for your wife is a little different than getting a gift for a friend. You love each other and you want that to show in whatever gift you choose. After all, showing love and gratitude for one another is what holiday gift giving is all about. To help you in your worthy gift giving endeavors we made this list of the best Christmas gift ideas for your wife. We also have some key gift shopping tips that can help you brainstorm a truly personal gift for your wife this year.

Gift Shopping Tips

Gift shopping can be some of the most difficult gift shopping you’ll do all year. Gift shopping for your own wife might possibly be some of the most difficult gift shopping you’ll need to do as well. There’s a lot of pressure when it comes to getting a gift for your significant other. We’re here to take some of that pressure off and give you some tips to help you pick out the perfect, personal gift that shows how much you care.

First, Brainstorm Gift Ideas

Get a notebook, piece of paper, or word doc and start brainstorming a giant list of keywords you think of when you think of your wife. This list will include all kinds of things, like her hobbies, her likes, her dislikes, and anything else that comes to mind. This brainstorming list will help you think of unique and personal gift ideas for your wife. For example, you might jot down that your wife used to take a yoga class and really loved it. This might then lead you to get her, her very own yoga kit so she can take up the hobby again from the comfort of her own home.

Second, Make it Fancy

A great tip for buying gifts for anyone is to take ordinary things up the next level by getting the fancier versions. Change things up by getting the deluxe option of something they commonly use or enjoy. If your wife is a huge popcorn lover, try getting her a gourmet box of popcorn. Or if your wife loves her morning coffee, try brightening her morning routine by getting her a set of deluxe holiday coffee samplers.

You can also take an otherwise ordinary gift and make it extraordinary through its presentation. During the holiday seasons many stores have gift wrapping options to add another degree of effort and care into the gift. You can also change how the gift is presented by orchestrating a more special moment to give your gift to her. Take her out to dinner, or write an especially meaningful card telling her how you feel about her. This is an especially good idea if your wife’s love language has more to do with actions and words then it does gifts.

Third, Keep Notes Throughout the Year

Make your gift shopping job much easier by keeping detailed notes throughout the year. Get a notebook or note taking app that you can easily have on hand when your wife mentions something she does or doesn’t like. That way you can write it down and thereby create your wife’s wish list without her even knowing it! Don’t wait for the beginning of December to roll around before you start thinking and planning what to get her. Pay close attention throughout the year so that when the holidays get closer you already know exactly what to get her.

Christmas Gift Ideas for Your Wife

Generally you want a gift for your wife to either be something special that pampers her and shows her how much you care, or something specific that you know she really wanted. For example, if you really want to say “I do” all over again you might get her a really nice set of earrings. If you really want your wife to feel like a pampered queen you might get her a luxurious spa day set. But you can also get a more unique gift for your wife by getting her something specific and personal to her. A personal humidifier might not be the most romantic gift, but if you know she’s been wanting one, then it might just be the best gift you could get her this Christmas. Here’s a list of some of the best Christmas gift ideas for your wife.

 

1. Portable Travel Jewelry Box

christmas gift ideas for wife
Buy it on Amazon for $10.99

Does your wife love to travel? If so you might want to get her this adorable mini jewelry organizer so she can travel in style. A portable mini organizer box is just what your wife needs to keep track of whatever jewelry she wants to bring with her when she travels. It’ll keep her things safe, secure, and untangled! Inside this travel size jewelry box there’s a spot to hang a necklace, inserts for multiple rings, and a free space that has removable dividers for earrings, or small perfumes and lipstick. This gift could also be a great way to surprise your wife with a planned weekend getaway in her near future.

 

2. Bento Bag and Lunch Accessories from monbento

best christmas gifts for wife

Buy it on monbento.com for $25.40 to $69.20

Monbento is having deals on Christmas packages right now where you can get a 20% discount! Monbento is a great brand because they have a sleek, effortless design, and you can completely customize your lunchbox. By getting your wife her own monbento lunch bag and bento box you can her life, her work, and her meal prep a lot easier.

 

3. Jewelry

thoughtful christmas gifts for wife

Buy it at Pandora for $65.00

If you really want to get your wife something romantic this holiday season, an item of jewelry she’ll love is always a safe bet. Pandora has many beautiful, and affordable jewelry options. One popular jewelry choice would be to get her a custom charm bracelet that she can personalize. But there are many other places to go for meaningful jewelry for your wife, like this rose necklace love knots from Jared, or this custom name ring on Etsy.

 

4. Paint By Numbers Kit

christmas gifts for wife 2019

Buy it at Easy 123 Art for $35.00

Help your wife relax while enjoying her hobbies with a paint by numbers kit! Paint by numbers kits are a great way to take the stress out of art while still enjoying the process. If your wife has an artistic side, then there are so many other great gift ideas you can get her as well. Just research whatever crafts she loves to do and find her something fun.

 

5. A Personal Diffuser

christmas gifts for my wife

Buy it on Amazon for $48.99

Personal diffusers are a great way to effortlessly get essential oils into your life. Not only can they have some health benefits but an essential oils diffuser can make your house smell clean and fresh. Another great personal self-care gift for your wife are some shower steamers. They’re like bath bombs for the shower, so your wife won’t have to draw an entire bath to enjoy some aromatherapy in the shower.

 

6. Stitch Fix Subscription Box

best christmas gifts for wife

Buy it at Stitch Fix for a $20.00 styling fee

Buy her a subscription box! There are a large variety of subscription boxes you can choose from now. There are subscription boxes for clothes, food, makeup, perfumes, and even socks! Whatever she’s into, there’s probably a subscription box out there for it that she’ll love.

 

7. Kindle

christmas gifts for your wife

Buy it on Amazon for $99.00

Right now you can save $30 on a new Kindle Paperwhite. The new version of Amazon’s classic E-reader is now waterproof so your wife can easily read on vacation by the pool! There are other E-readers out there to choose from as well, like the new Kindle Oasis that can connect to your audible account, or the Nook from Barnes & Noble. If she already has an E-reader she loves then don’t fret! You can still make this gift work by getting her a useful kindle accessory like wireless headphones for her audio books, or a water-safe fabric cover.

 

8. Fitbit

great christmas gifts for wife

Buy it on FitBit.com for $129.95

Get her the all new Fitbit Versa 2, with built-in Alexa! Right now you can get it on the Fitbit site and save $70, with free shipping, a 45-day money back guarantee, and a 1 year limited warranty. You can also get her an elegant smart watch from any of her favorite brands. There’s the Apple Watch Series 5, the Galaxy Watch Active 2 from Samsung, and the Gen 4 Venture HR Smartwatch from Fossil.

*Life Pro Tip: look at the actual store website for what you want and to learn all the specs. Then visit different stores to compare prices.

 

Gift shopping for your wife can be a tough task. One of the ways it can be tough is when your good intentions are there, but the funds just aren’t. If you need a little help paying for a great Christmas gift for your wife then visit CheckCity.com and apply online for a small loan.


Christmas Gifts for Dad

christmas gifts for dad

Are you struggling to find the perfect gift for your dad this year? Or maybe you have a friend or colleague that recently became a father? Either way the dilemma is the same. Dads can be difficult to shop for, but finding them a gift that really shows how much we care is important. To help you in your worthy gift giving endeavors we made this list of the best Christmas gift ideas for Dad this year. We also have some key gift shopping tips that can help you brainstorm a truly personal gift.

Gift Shopping Tips

Getting stumped when gift shopping is the worst. Not to mention you want to try and finish your shopping as soon as possible so you can kick back and enjoy the holidays. So instead of getting stuck in a gift shopping rut this year and panic shopping at the last minute, take these shopping tips into account and become a gift shopping pro.

Brainstorm Gift Ideas

Start a brainstorming document where you can jot down everything that comes to mind when you think of the dad or father figure you are shopping for. This list can include anything from their hobbies, their activities, their likes, and their dislikes. This will give you an inspiring list to pull gift ideas from. For instance, you might remember that your dad, or your new dad friend, loves to cook, which can then lead you to get them something cool to use in the kitchen like a quesadilla maker or a dutch oven.

Go Fancy

One good gift giving tip is to get them something ordinary and make it extraordinary. Get something they commonly use, something from the everyday, but get the fancier version. For example, if he drinks coffee you can spend a little extra and get him a really nice box of deluxe holiday coffee samplers.

Christmas Gifts for Him

One common mistake people make when shopping for Dad is to buy him something that really isn’t for him and him alone. It can be really easy to buy Dad something for the home, the yard, or for their kids, but these gifts aren’t just for Dad, they’re for the house or for the family as well. They may even really love and appreciate such gifts, but if you really want to surprise your father this year, try getting him something that will only be his.

A good example of this might be buying him a new tool set to help him fix things around the house. If your dad loves tinkering with things then this could be the perfect gift for him, but if not, then a new tool set might just remind him of all the work he has waiting for him once the holidays are over. No one likes being reminded of their to do list when getting gifts. So while something like a new toolbox can still be a great gift idea, try getting him something that is really for him, and not for his chores.

Christmas Gift Ideas for Dad

Gifts for Dad often fall into one of 5 categories—home, yard, himself, his hobbies, and commemorative gifts. Gifts for the home or yard might include a garden tool set while a gift for himself might be a beard grooming kit. Gifts that have to do with his hobbies will depend on what he likes to do. Does your dad like to cook? Or go fishing? Or go on bike rides? Hobby themed gifts can be some of the most personal gift ideas, but commemorative gifts are great for showing your love and appreciation. An example of a commemorative gift could be anything you have custom made with him in mind, like a photo wallet. Keeping these categories in mind can help you narrow down your gift ideas, but for now, here’s a list of some of the best gift ideas for Dad this Christmas.

 

1. Pizza Stone

christmas gift ideas for dad

Buy it on Amazon for $27.99

A pizza stone, or a baking stone, is a great item to have in your kitchen. With a baking stone Dad can really develop his professional pizza making skills. This baking stone from Amazon is made of ceramic and can be used in the oven or on the grill. It’s heat safe up to 1,450 degrees Fahrenheit. Baking with a stone can help your dad’s breads and pizzas turn out with a better, crispier crust, making this kitchen gift idea great for Dads who love to bake.

 

2. Keurig Coffee maker

best christmas gifts for dad

Buy it on Amazon for $69.99 or $79.00

The Keurig coffee maker comes in black or rhubarb red. It can brew multiple sizes of cup pods from 6, 8, and 10 ounces. It also has a large 48 ounce water container so you don’t have to be constantly refilling it. Give your father a better, easier morning routine with an easy to use coffee maker. This could even double as a Christmas gift for both Mom and Dad.

 

3. Dash Camera

good christmas gifts for dad

Buy it on Amazon for $44.99

A good dashcam can be a useful gift and a great car accessory. The APEMAN dash cam has a 3 inch LCD screen, with a 170 degree wide angle. It can monitor your car while it’s parked and comes with motion detection, loop recording, night vision, and seamless 1080P video quality. This dash camera really does have everything your dad would want in a dash camera for his car.

 

4. Breakfast Sandwich Maker

christmas gifts for dad from daughter

Buy it on Amazon for $24.99

A breakfast sandwich maker is the kind of gift your dad doesn’t know he needs, but once he has one, he’ll wonder how he ever did without one. With the sandwich maker you can use bagels, pancakes, or english muffins and quickly make an egg, ham, and cheese breakfast sandwich all at the same time! Now, instead of cooking everything separately on the stove, Dad can make himself a hearty breakfast sandwich in just a few minutes with one easy to use tool.

 

5. Magnetic Tool Wristband

great christmas gifts for dad

Buy it on Amazon for $15.90

Save 28% on this handy item that will help your dad optimize his fixing skills. Now he can easily go about tuning up the car and fixing things around the house without losing small items like nuts and bolts. If your dad is any type of handy man, he’s sure to love this unique Christmas gift idea.

 

6. Tabletop Grill

cool christmas gifts for dad

Buy it on Amazon for $69.99

Save $20 on Amazon right now by getting this Hamilton Beach electric indoor searing grill. It even has a viewing window so you don’t have to open the grill and lose heat to check on things. This grill is also incredibly easy to use and clean, so it won’t be too much of a hassle for Dad to use. Now even on chilly days your dad can grill yummy foods for the whole family from the warm comfort of the indoors.

 

7. Electric Razor

christmas gifts for dad 2019

Buy it on Amazon for $39.96

The Philips Norelco electric razor is a great gift for any man in your life. It makes a great gift for Dad because it’s a personal item that is meant just for him! It also provides a quick and easy close shave, is easy to wash, and even has a pop up trimmer to get his sideburn length just right.

 

8. Personalized Night Sky Wall Art

christmas gifts for dad who has everything

Buy it on Etsy for $34.00

Customize a personal print of the night sky for your dad. You can pick the words, fonts, materials, and the constellations you want to appear on this beautiful designer piece. Other customers have included a significant quote for their father and the night sky of each child’s birth date. Nothing says I love you Dad like something completely personal and handmade just for him.

9. Docking Station

christmas gifts for your dad

Buy it on Etsy for $45.81

With this beautiful wooden docking station your dad can have an easy place to keep his phone, watch, keys, spare change, wedding band, and any other small items he wants to keep track of. This is a completely unique and unusual gift idea for men who already have everything. It’s also a good gift idea if your dad is prone to losing or misplacing his things. This deluxe wooden docking station is just what your dad needs to get and stay organized in style.

 

Gift shopping for Mom and Dad can be a tough task. One of the ways it can be tough is when your good intentions are there, but the funds just aren’t. If you need a little help paying for a great Christmas gift for your dad then visit CheckCity.com and apply online for a small loan. For some other unique Christmas gift ideas for Dad check out the Gifts for Dad section on UncommonGoods.com where you can find all kinds of extraordinary gift ideas for Dad.


Christmas Gifts for Mom

christmas gifts for mom

Moms can be really tough to shop for, but we love our mothers and they do so much for us, so we want to get them the perfect gift! If you’re struggling to figure out what to get your mom this Christmas then take a look at our list of the best Christmas gifts for mom this year. We also have a few gift shopping tips to help you figure out the perfect gift for your mom.

Gift Shopping Tips

Instead of being stumped there are a few things you can do to help figure out what to get someone. Apply these tips to your mom and you’ll brainstorm the perfect Christmas gift ideas for mom.

Brainstorm Gift Ideas

When first trying to think of a gift to get someone, write down a brainstorming list of all the things you think of when you think of them, all their hobbies, the things you know they like, and the things you know they do. This way you’ll have an inspiring list to pull gift ideas from. For instance, you might remember that your mom, or your new mom friend, loves to go on long bike rides, which can then lead you to get them a nifty universal phone mount to go on their bike.

Go Fancy

One good gift giving tip is to get them something ordinary and make it extraordinary. Get something they commonly use, something from the everyday, but get the fancy version for them. So instead of getting chocolates, spring for a fancier brand of chocolates.

Christmas Gifts for Her

One common mistake people make when shopping for their mom is to buy them something that really isn’t for them and them alone. It can be really easy to buy a mom something for the home, or for their kids, but these gifts aren’t just for mom, they’re for the house or for the family as well. They may even really love and appreciate such gifts, but if you really want to surprise mom this year, try getting her something for herself, that will only be hers.

For instance, if you are shopping for Christmas gifts for new moms, you might want to help make their life as a new mom easier by getting something for the baby, like a baby wrap carrier. This is still a perfectly great gift idea, but if you really want to wow the moms in your life, get them something only they can use.

Christmas Gift Ideas for Mom

Gifts for mom generally fall under a few general categories—home, kitchen, herself, her hobbies, and commemorative gifts. Gifts for the home include things like an antique globe or a house plant. Kitchen gifts can include all kinds of nifty tools for cooking or serving food, like a cute serving tray. Gifts for her can be anything from a fashionable scarf to self-care products you know they love. Hobby themed gifts can be a great way to get something personal for mom this Christmas that she can use as she pursues her passions. Finally commemorative gifts are things like photo albums or a locket that fits photos of her family. Here are just a few great Christmas gifts for mom:
 

1. Deep Cleaning or Spring Cleaning Service

christmas gift ideas for mom

Book a cleaning appointment with Amazon Home Services for $131.86 to $310.76
Prices depend on the size of your home, and whether you want the inside of your oven, fridge, and cabinets cleaned as well. A deep cleaning from an Amazon cleaning professional includes basic cleaning in the bathroom, kitchen, windows, and floors. They’ll come in and do all the hard cleaning for your mom so she can thoroughly enjoy her holiday season without the hassle of cleaning the entire house before family comes home for Christmas.

If you can’t afford to pay a professional, then pay for your mom to go on a fun date night with dad while you do the cleaning yourself!
 

2. Home Assistant Devices

best christmas gifts for mom

Buy an Amazon Echo and Alexa devices or a Google Assistant
Smart home devices are a great addition to any home. Mom can use them to make her lists, listen to music, set routines, and even make calls. Prices will depend on what device you get, but you can get an Echo Dot on Amazon for $24.99 and a Google Home Mini at Best buy for $25.00.
 

3. Spa Gift Basket

good christmas gifts for mom

Buy it on Amazon for $15.99
Give your mom her own personal spa day with a luxurious bath spa gift basket for women. You can find similar gift baskets at other stores too like at Walmart. You can even put together your own personal self-care day gift basket by purchasing a beautiful basket and filling it with things like perfume, a comfy bathrobe, slippers, bath salts, fancy soaps, face masks, sleep eye mask, or even a weighted blanket for a fuller, better nights sleep.
 

4. Jewelry

christmas gifts for mom from daughter

Buy it at Target for anywhere between $15 and $40
You can get your mom a bracelet, necklace, earrings, or ring to commemorate your love for her as your mother. You can even find customization jewelry pieces for mom. You can put your name on the jewelry, engrave a personal saying, or include birth stones. Etsy also has a great selection of jewelry for mothers.
 

5. Cheese Board and Knife Set

christmas gifts for mom 2019

Buy it on Amazon for $33.99
This organic bamboo cheese cutting board comes with a knife set and serving utensils as well. The knife set has it’s own hidden drawer inside the cheese board so you can easily keep everything organized. It also has an outer rip around the cutting board where you can easily place crackers, cheese slices, grapes, and whatever else you want on a cheese board.
 

6. Personal Charging Station

	 great christmas gifts for mom

Buy it on Amazon for $9.99
You can also purchase this multi charging station with a charging pack for a total cost of $19.99. You can store up to 3 smartphones, a smartwatch, and a tablet. What’s great about charging hubs like this is that IOS and Android users can both use it.
 

7. Coffee Mug

last minute christmas gifts for mom

Buy it at Target for $5.99
You can buy your mom a new coffee mug and fill it with her favorite candies or the ingredients to make her own mug cake, or brownie in a mug. You could also get a tumbler of some kind so she can have her coffee on the go. An ember mug is a new kind of smart mug that can control the temperature of your coffee. These mugs are rather expensive, but you can also buy a coffee warmer on Amazon for only $17.99 so mom can keep her beverage warm.

 
Getting your mother something special this holiday season is important, but sometimes the funds just aren’t there. If this is the case for you, visit CheckCity.com and apply online for a small loan. For some unique Christmas gift ideas for mom check out the Gifts for Mom section on UncommonGoods.com where you can find all kinds of extraordinary gift ideas.

How to Organize All Your Gift Giving This Year

gift organization tips

Don’t let yourself get overwhelmed with gift giving this year with these 8 gift organization tips:

  1. Gather Wish Lists
  2. Stick to a Budget
  3. Keep a Planning Journal
  4. Visit the Store’s Website First
  5. Shop for the Future
  6. Keep Wrapped Gifts Organized
  7. Create a Gift Exchange
  8. Free Gift Organization Apps

There are many reasons to be more organized about gift giving each year. The winter season is a time of many gift giving holidays, but the rest of the year has lots of gift giving occasions as well. There are numerous birthdays to remember, graduations, weddings, Easter, Father’s Day, Mother’s Day, Grandparent’s Day, anniversaries, baby showers, and the list goes on and on.

You need to better organize your gift giving this year because if you don’t you’ll end up . . .

  • forgetting someone
  • going way over budget
  • doing last minute shopping
  • running into the problem where you’ve wrapped gifts and forget who gets what
  • accidentally getting one kid 5 gifts while the rest only have 3
  • confusing who asked for what while shopping

All of these things are pretty catastrophic gift-giving disasters that you do not want to happen to you. But don’t worry, if you just use these gift-giving organization tips you’ll avoid the chaos and have a whole new experience with gift giving.

Gather Wish Lists

The first thing you want to do each year is ask for everyone’s wish lists. Holidays that gather the whole family together are a good time to pass out a crafty wish list printout and have everyone write down what they’d love to receive for birthdays and holidays next year. That way when January comes around, you’ll already know what to start shopping for.

When you’re passing out wish list worksheets, you can also create a list of everyone on your nice list, or everyone you’ll be getting gifts for. That way you’ll have a master list of all your gift recipients so not a single person gets forgotten in the stress and turmoil of shopping and gift planning.

Free Downloadable Wish List Printable: Click Here

Stick to a Budget

After you’ve made a list of all your gift recipients, and gotten gift ideas from all of them, you can start creating a budget. It’s a good idea to create a budget specifically for gifts because unrecorded gift expenses can easily get out of hand. To help your gift spending not get out of hand, you can take out a small personal loan at your neighborhood Check City store.

Start by looking at your household budget and determining how much you can spend on gifts. Then divide that sum between individuals or events—whichever makes more sense for you. For example, if you have a $100 gift budget and you want to give gifts to John and Mary this year, then you can plan on spending $50 on gifts for each of them. If you want to divide your gift budget between events then you might decide to spend $50 on birthday presents, and $50 on Christmas presents for everyone that year.

Free Downloadable Christmas Gift Budget Printable: Click Here

Keep a Planning Journal

Now you need a separate to do list just for gift giving. This will help you keep track of all that is expected of you throughout the year so that you don’t forget any important events. Try creating a separate folder on your computer just for all your lists. That way you can go to one place each year to find your task list for Christmas, Thanksgiving, and whatever other holidays and occasions you have to plan and prepare for. You can also keep all of this information in an event journal where you record all your tasks so that you can become more efficient at planning with every passing year.

You can use an event planner or folder to keep track of other to do lists like all the things you need to do to get your Christmas cards sent, or for your annual family Christmas party put together, or how you did that graduation party. You can also use it to keep track of gifts you’ve received so you’ll remember to send thank you notes to everyone.

You could also make all of this into a bullet journal if you want to get extra crafty. Then you could possibly keep it as a kind of Christmas journal to commemorate important moments as well as plans.

christmas gifts

Keep a Detailed Record

There is a lot to keep track of with gifts to give and holiday parties to plan. That’s why keeping a careful record is important if you don’t want to forget anything and create stress. One way you can easily do all your gift organizing is to use excel. You can make a spreadsheet on excel or create a table in a word or google doc to keep track of the following:

  • List of all the people you need to get gifts for
  • Your total gift budget
  • What you plan to spend on each person
  • What you bought for each person
  • How much each present cost
  • What Santa gift you got for each child
  • Whether each present has been wrapped yet
  • Whether each gift has been sent or given yet

Visit the Store’s Website First

Don’t just show up at your favorite stores and start shopping—this is how we quickly go over budget. Instead, visit the store’s website first. By going to the website before you go to the store, you can take an inventory of what the store has in stock, and easily compare prices between stores. This practice will save you time, energy, and money. Even if you still go to the store to buy your items rather than buying them online, by taking a look at the website first you’ll have a better idea of what everything will cost you and where it’ll fit in your budget. This way you can see ahead of time what you can get and what they cost to add up your gift totals and make adjustments from the comfort and ease of your couch before you even purchase your first gift.

Shop for the Future

In your gift giving journal or word doc you can keep track of all the events each year that include gift giving, and make your plans ahead of time for each holiday or occasion. This way you can have gifts ready well in advance and make better use of sales to save money. Shopping with the future in mind can also help you have a more relaxing experience while gift shopping, because you won’t be under any time constraints.

Free Downloadable Printout for Yearly Gift Giving Planner: Click Here

Keep Wrapped Gifts Organized

Once you’ve planned, recorded, and bought all of your gifts it’s time to start wrapping them! When undertaking the task of wrapping gifts it is important to stay organized by creating a system.

Pick a space (like your craft room or bedroom) that the kids can’t go into and use it as your base of operations for gift organizing and wrapping.

Use bins, boxes, or laundry baskets that have been marked with each kids name and put their gifts in their stack as you purchase them. This will keep their presents organized and you can even use the bins when you put the wrapped gifts under the tree. You can even decorate the boxes to look like one big present if you want to organize the gifts under the tree a bit and not lose anyone’s presents in the back or under a couch. You can also use the gift basket idea to help you stay organized while you’re wrapping. Keep wrapped gifts in their labeled boxes so there’s not confusion later on about what gift belongs to whom.

Lastly, don’t forget to put a clear name tag on each present once you’ve wrapped each one. This will keep your wrapped gifts even more organized and further keep them from getting confused.

Create a Gift Exchange

The one time having a lot of loved ones can become a burden is when it comes to giving gifts. You want to get everyone you love a gift, but that can be hard to do on a budget. One way to fix this problem is to organize gift exchanges. This is especially helpful for extended families that want to get gifts for their many loved ones but can’t afford getting gifts for both their immediate and extended families. christmas gift ideasYou can also do this with a group of your close friends so you all don’t have to get gifts for every friend you have.

Create your gift exchange groups and then designate a system for exchanging names each year. You can all draw names out of a hat, you can do a secret Santa, or you can do a name rotation. Then you can throw a party each year to exchange gifts with each other.

Free Gift Organization Apps

There are many free apps out there you can also use to keep all your gift giving organized. Here are a few free app ideas you can look into:

  • Giftster
  • Santa’s bag
  • Christmas gift list
  • Gift planner
  • Gift list diary
  • Christmas gift list

Planning out your gift purchases ahead of time is the most efficient way to stay organized and on budget this gift giving season. But the real reason to stay organized as possible this year is because the seasons are meant to be enjoyed, and if you have things planned and organized, then your holiday season will be much more stress free and enjoyable.


READ MORE

Read, “Ten of Our Top Tips for Organized Gift Giving” for even more great tips about staying organized this holiday season.

Visit “Organize Your Gift Giving” for more free holiday printable downloads!


Citibank Personal Loan

Citibank offers large personal loans up to $50,000 with payments term options from 12 to 60 months. But Citibank loans also come with income and membership requirements. If you don’t meet these qualifications then check out the no nonsense Check City Personal Loan!

One of the best reasons to get a personal loan is to consolidate debts into one single monthly payment. Many times consolidating debt can even lead to lower interest rates that save you money in the long term. Personal loans can also be used to help with home improvements and other major expenses. All personal loans come with their own benefits and drawbacks, so it’s important to do your research on different loans in order to figure out which loan provider is the best fit for you and your needs.

Citibank Personal Loans: A Quick Look

A Citibank personal loan can be anywhere from $2,000 to $50,000 with an APR range between 7.99% and 23.99%. Citibank personal loans have no origination fees and offer fixed rates so customers can know for sure what they pay. They also offer flexible loan terms between 1 to 5 years. Citibank personal loans are most commonly used to consolidate debts, make home improvements, and pay other large expenses.

Maximum Personal Loan: $50,000

Minimum Personal Loan: $2,000

Rates: 7.99% to 23.99% APR

Fees: no origination fee

Terms: 12, 24, 36, 48, and 60 month terms (1 to 5 years)

When: receive a check in the mail in 5 business days

Basically, Citibank is a great loan provider for anyone who already has a bank account with Citibank. You also need to make at least $10,500 a year in order to qualify for their personal loans and there are some restrictions to keep in mind if you want to take out more than one loan from them. Their loans can be used for a number of larger, personal expenses.

Who are Citibank Personal Loans Perfect For?

A personal loan from Citibank is a great loan option for those with good to excellent credit since applicants with the best credit will get the best interest rates. They can be used for many personal reasons but are the most useful for anyone looking to consolidate high interest debts or finance home projects. If this is the kind of loan you’re looking for, and you match the qualities listed below, then a personal loan from Citibank may be perfect for you.

  • If you have a good or excellent credit score
  • If you need a large loan amount
  • If you already have an account with Citibank
  • If you can wait 5 business days for your funds
  • If you make at least $10,500 a year

Who Should NOT Get a Citibank Personal Loan?

If you have a poor credit score then a Citibank personal loan might not be the best loan option for you. Only applications with excellent credit are able to qualify for the best interest rates. So if you have a poor credit score then you may want to think about getting a personal loan with Check City instead. Below are some other reasons to consider a different loan provider.

  • If you need a small loan
  • If you want to pay off the loan in a few months
  • If you have a low credit score
  • If you want your funds today
  • If you make less than $10,500 a year
  • If you don’t already have an account with Citibank
Citibank Personal Loans Pros and Cons List
Pros Cons
No origination fee Need excellent credit to qualify for lower rates
Get lower rates by using Auto Deduct The check takes 5 days to mail
Get points by using your Citibank checking account Need to be an existing bank account holder
You can only apply online for loans $30,000 and under

An Alternative to Citibank Personal Loans

The Citibank personal loan may not meet your requirements as a loan customer and that’s ok. Everyone has different financial needs when it comes to the terms of a personal loan. If your credit score doesn’t qualify you for a Citibank personal loan, or if you just want a smaller, quicker, short-term loan, then Check City has what you’re looking for.

Reasons to Get a Check City Personal Loan:

personal loan review

  • We’re a direct lender: Check city doesn’t direct you to lenders, we are the lender.
  • We’re a state licensed lender: Check City offers the safety, security, and trust of a state licensed lender.
  • Loan applications are quick and simple
  • Bad credit scores can still apply
  • No origination fees
  • Get your loan TODAY
  • You can pay back your loan in just 6 months
How to Apply for a Check City Personal Loan

Applying for a Check City personal loan is fast and easy. All you have to do to apply online is go to our Personal Loans Page and fill out the application form. It only takes a few minutes!

If you don’t want to apply online then there are two other application options you can choose from. You can visit your local Check City store and apply in person, or you can call a Check City representative with the Loans By Phone number listed below and apply over the phone.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online.

Apply in the Store.

Or call Check City’s Loans By Phone number: 800-404-0254

Applying for a Check City Personal Loan online is fast and incredibly easy to do, but if you want your loan money even sooner, you can apply in person at a Check City store and walk out with your cash TODAY!

Check City personal loans are perfect for anyone who needs a fast, small loan that you can pay off in a few short months instead of years. It’s also a great loan option for anyone with bad credit who can’t afford the credit score hit of a traditional credit report. If the Check City personal loan sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and GET CASH NOW.

COMPARE SIMILAR LOAN OPTIONS

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

USAA Personal Loan Citibank Personal Loan
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $2,500 to $50,000 $2,000 to $50,000
Rates lower APR than our payday loans 6.99% to 24.99% 5.49% to 22.99% 8.99% to 18.00% 7.99% to 23.99%
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no origination, application, or prepayment fees no origination fee
Terms 6 months 36 to 84 months 12 to 84 months 12 to 84 months 12 to 60 months
Min. Credit Score none 660 600 high credit score high credit score

 

All loans come with a set of requirements in order for loan customers to qualify. But loan customers also have requirements for the perfect loan. Every customer needs something different in a personal loan, which is why loan review articles like this one are so helpful. You’ll need to do a little research about different loans if you want to find the best personal loan for you.

 
READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

Marcus by Goldman Sachs Personal Loan

Marcus by Goldman Sachs offers large personal loans up to $40,000, but if you don’t have a minimum credit score of 660 then you might want to check out the Check City Personal Loan where low credit score holders can still apply!

One of the best reasons to get a personal loan is to consolidate debts into one single monthly payment. Many times consolidating debt can even lead to lower interest rates that save you money in the long term. But not all personal loans work well for this purpose, so it’s important to do your research on different loans in order to figure out which loan provider is the best fit for you.

Marcus Personal Loans: A Quick Look

A Marcus by Goldman Sachs personal loan can be anywhere from $3,500 to $40,000 with an APR range between 6.99% and 28.99%. Marcus personal loans have no fees and offer fixed rates and terms so customers can know for sure what they pay and when they pay. They also offer flexible loan terms from 3 to 6 years. Marcus personal loans are most commonly used to consolidate debts and multiple balances into one.

Maximum Personal Loan: $40,000

Minimum Personal Loan: $3,500

Rates: 6.99% to 28.99% APR

Fees: no fees

Terms: 36 to 72 months (3 to 6 years)

When: receive funds in 5 business days

Basically, Marcus by Goldman Sachs is a great place to go when you want to consolidate high interest debts into a lower interest personal loan. Marcus personal loans can also be used for other personal reasons, like budgeting for a wedding, home improvements or repairs, moving costs, and vacations.

Who are Marcus Personal Loans Perfect For?

A personal loan from Marcus by Goldman Sachs is a great loan option for those with good or excellent credit. They can be used for many personal reasons but are the most useful for anyone looking to consolidate high interest debts into one, low-interest payment. If this is the kind of loan you’re looking for, and you match the qualities listed below, then a personal loan from Marcus by Goldman Sachs may be perfect for you.

  • If you have a good or excellent credit score
  • If you need a large loan amount
  • If you want a longer loan term
  • If you can wait 5 business days for your funds

Who Should NOT Get a Marcus Personal Loan?

If you don’t have a good credit score then a Marcus personal loan may not be the best loan option for you. Only applications with excellent credit are able to qualify for the best interest rates and loan terms. So if you have a poor credit score then you may want to think about getting a personal loan with Check City instead. Below are some other reasons to consider a different loan provider.

  • If you need a small loan
  • If you want to finish paying back the loan in a few months
  • If you have a low credit score
  • If you want your funds today
Marcus Personal Loans Pros and Cons List
Pros Cons
No fees No small loan options
Low interest rates Need excellent credit to qualify for lower rates
Rewards for on-time payments Funds take 5 days to reach your bank account

An Alternative to Marcus Personal Loans

The Marcus personal loan may not meet your requirements as a loan customer and that’s ok. Everyone has different financial needs when it comes to the terms of a personal loan. If your credit score doesn’t qualify you for a Marcus personal loan, or if you just want a smaller, quicker, short term loan, then Check City has what you’re looking for.

Reasons to Get a Check City Personal Loan:

personal loan review

  • We’re a direct lender: Check city doesn’t direct you to lenders, we are the lender.
  • We’re a state licensed lender: Check City offers the safety, security, and trust of a state licensed lender.
  • Loan applications are quick and simple
  • Those with bad credit scores can still apply
  • No origination fees
  • Get your loan TODAY
  • You can pay back your loan in just 6 months
How to Apply for a Check City Personal Loan

Applying for a Check City personal loan is fast and easy. All you have to do to apply online is go to our Personal Loans Page and fill out the application form. It only takes a few minutes!

If you don’t want to apply online then there are two other application options you can choose from. You can visit your local Check City store and apply in person, or you can call a Check City representative with the Loans By Phone number listed below and apply over the phone.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online.

Apply in the Store.

Or call Check City’s Loans By Phone number: 800-404-0254

Applying for a Check City Personal Loan online is fast and incredibly easy to do, but if you want your money even sooner, you can apply in person at a Check City store and walk out with your cash TODAY!

Check City personal loans are perfect for anyone who needs a fast, small loan that you can pay off in a few short months instead of years. It’s also a great loan option for anyone with bad credit who can’t afford the credit score hit of a traditional credit report. If the Check City personal loan sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and GET CASH NOW.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

SoFi Personal Loans American Express Personal Loans USAA Personal Loan Marcus Personal Loan
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $5,000 to $100,000 $3,500 to $40,000 $2,500 to $50,000 $3,500 to $40,000
Rates lower APR than our payday loans 6.99% to 24.99% 5.49% to 22.99% 5.99% to 20.01% 6.90% to 19.98% 8.99% to 18.00% 6.99% to 28.99%
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no fees no origination fee, there are late fees no origination, application, or prepayment fees no sign-up or prepayment fees
Terms 6 months 36 to 84 months 12 to 84 months 24 to 84 months 12 to 48 months 12 to 84 months 36 to 72 months
Min. Credit Score none 660 600 680 660 high credit score 660

 

All loans come with a set of requirements in order for loan customers to qualify. But loan customers also have requirements for the perfect loan. Every customer needs something different in a personal loan, which is why loan review articles like this one are so helpful. You’ll need to do a little research about different loans if you want to find the best personal loan for you.

 
READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

USAA Personal Loan

USAA members can get Personal Loans up to $50,000, but if you don’t qualify for a USAA membership then you’ll need to find a different loan provider. For a Small and Flexible Personal Loan check out the Check City Personal Loan where no membership is required!

USAA Membership Requirements: USAA membership eligibility depends on who you are since USAA memberships are only available to certain people. In order to qualify for a USAA membership you must be one of the following:

  • Active duty officers
  • National Guards
  • Reserve officers
  • Veterans
  • Officer candidates in commissioning programs
  • Enlisted personnel
  • Spouse of a USAA member
  • Adult children of a USAA member

Personal loans are often used in financial emergencies when you suddenly need funds to pay for bills and other unexpected expenses. Because of this it’s a good idea to shop ahead of time for the loan provider that best fits you and your needs so you’re not making any rushed decisions when it comes to your loan options. After all, you have your own requirements for the perfect personal loan.

USAA Personal Loans: A Quick Look

A personal loan from USAA can be anywhere from $2,500 to $50,000 with an APR range between 8.99% and 18.00%. USAA personal loans have no origination fee, no application fee, and no early repayment fees. USAA members with a personal loan can get loan terms between 1 and 7 years. USAA personal loans are most often used for home repairs or improvements and emergency bills.

Maximum Personal Loan: $50,000

Minimum Personal Loan: $2,500

Rates: 8.99% to 18.00% APR

Fees: no origination fee, no application fee, no prepayment fee

Terms: 12 to 84 months (1 to 7 years)

When: you can get your loan funds as soon as 24 hours after application approval

Basically, USAA personal loans are a great loan choice for USAA members. They are a medium sized personal loan with flexible loan repayment terms. They also offer lower rates for their members, making this loan a good option for anyone who already has a USAA membership and needs a loan for emergency expenses.

Who are USAA Personal Loans Perfect For?

The USAA personal loan is great if you already have a membership with USAA and have some sudden expenses you need to take care of. They are most often used for making home improvements or taking care of home repairs. If you meet USAA’s membership requirements, and just need a loan to help with the house or other unplanned bills, then this loan may be perfect for you. Here are some other indicators that you should get a USAA personal loan:

  • If you already have a USAA membership
  • If you have good credit
  • If you need a large loan amount
  • If you want a longer loan term option

Who Should NOT Get a USAA Personal Loan?

A membership with USAA comes with special requirements that not everyone can meet. USAA memberships are available to anyone serving (or those who have served in the past) in the U.S. Air Force, Army, Coast Guard, Marines, Navy, National Guard, or Reserves, and to close family members. If you don’t qualify for a USAA membership or you can’t afford a hard credit pull loan application, then consider a personal loan with Check City instead. Here are a few more reasons you should think about a Check City personal loan instead of a USAA personal loan:

  • If you need a small loan
  • If you want to pay back the loan in 6 months
  • If you don’t qualify for a USAA membership
  • If you need same day funds
  • If your credit score can’t afford a hard credit pull
USAA Personal Loans Pros and Cons List
Pros Cons
Flexible terms Hard credit pull that will affect your credit score
No fees Must be a USAA member

An Alternative to USAA Personal Loans

USAA personal loans may not meet your requirements as a loan customer. If this is the case for you then check out the Check City personal loan! It might be exactly what you’re looking for.

Reasons to Get a Check City Personal Loan:

personal loan

  • Check City is a direct lender
  • Check City is a state licensed lender
  • Our application process is quick and simple
  • You can still apply if you have a low credit score
  • No origination fees
  • Get your loan TODAY
  • You can pay back your loan in 6 months
How to Apply for a Check City Personal Loan

The application process for a Check City Personal Loan is fast and simple. All you have to do to apply for a personal loan with Check City is go to our Personal Loan Page and fill out the application form on the side of the page. It only takes a few minutes! We have other loan application options available as well if you don’t want to apply online. You can also visit your local Check City store
or talk to a representative on the phone to apply.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online.

Apply in the Store.

Or call Check City’s Loans By Phone number: 800-404-0254

The online application for a Check City Personal Loan is incredibly easy to do, but if you want your funds even sooner, you can apply in person at a Check City store and walk out with your personal loan funds the SAME DAY! Our personal loans are perfect for anyone who needs a fast, small loan that you can pay off in a matter of months instead of years. Check City Personal Loans are also a helpful option for anyone with a low credit score, or who can’t afford a hard pull on their credit score right now, because we don’t use a traditional credit report when processing a loan application. If this personal loan option sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and get your funds now.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

SoFi Personal Loans American Express Personal Loans USAA Personal Loan
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $5,000 to $100,000 $3,500 to $40,000 $2,500 to $50,000
Rates lower APR than our payday loans 6.99% to 24.99% APR 5.49% to 22.99% APR 5.99% to 20.01% APR 6.90% to 19.98% APR 8.99% to 18.00% APR
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no fees no origination fee, there are late fees no origination, application, or prepayment fees
Terms 6 months 36 to 84 months (3 to 7 years) 12 to 84 months (1 to 7 years) 24 to 84 months (2 to 7 years) 12 to 48 months (1 to 4 years) 12 to 84 months (1 to 7 years)
Min. Credit Score none 660 600 680 660 high credit score

 

When you think of loans you often think about the requirements you need to meet in order for your application to get approved. But you have loan requirements too! Everyone is looking for something different in a personal loan, like the ability to refinance the loan later, or the ability to get the loan right away. You can find all these key qualities with a Check City Personal Loan!

Whatever your own personal loan requirements might be, you should always study up on what features each loan provides before making a choice.

 
READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

American Express Personal Loan

American Express offers Personal Loans up to $40,000, but are only available to existing members. If you want a more flexible and inclusive loan then you might want to try the Check City Personal Loan, where you don’t need a card membership to apply.

Shopping for a loan can be a hassle. There are so many pros and cons to consider, from the minimum required credit scores to APR ranges. We’re here to make your loan research a little easier as we go over personal loan options near you. That way you can weight the costs and benefits of different loans in one spot and find the personal loan that best suits your personal needs.

American Express Personal Loans: A Quick Look

With an American Express membership card you can take out a personal loan from $3,500 to $40,000 and get an APR anywhere between 6.90% and 19.98%. They also don’t have origination fees, but they do have late fees for when you’re late on payments. These loans come with a shorter loan term of 1 to 4 years and you can expect to receive your funds in 1 to 7 business days after your application gets approved.

Maximum Personal Loan: $40,000

Minimum Personal Loan: $3,500

Rates: 6.90% to 19.98% APR

Fees: no origination fee, there are late fees

Terms: 12 to 48 months (1 to 4 years)

When: 1 to 7 business days

Basically, the American Express personal loan is a large loan that you pay off in a few short years. They’re generally used for home improvement, weddings, the costs of moving, or traveling. You can also use their personal loans to consolidate debts with higher interest rates. The only catch is that you’ll need to be an American Express card holder in order to even apply, so if you aren’t already affiliated with American Express you may want to look elsewhere for your loan where a membership isn’t required.

Who are American Express Personal Loans Perfect For?

A personal loan from American Express is perfect for anyone in need of a large loan that they don’t want to be paying back for more than 4 years. The American Express personal loan is most perfect for loan customers who already have an American Express card. If you’re already an American Express customer and the below items also represent your needs, then the American Express personal loan may be the perfect loan for you.

  • If you have a good credit score
  • If you need a large loan amount
  • If you want to finish paying off the loan in 4 years
  • If you already have an American Express account

Who Should NOT Get an American Express Personal Loan?

If the items mentioned in the previous section don’t apply to you then don’t worry—there are other loan options out there. Maybe you’re looking for an even smaller personal loan that you can pay off in a matter of months instead of years. If you find yourself in this category of loan customer then you should consider Check City for your flexible personal loan provider.

  • If you want a small loan
  • If you want to pay back the loan in 6 months
  • If you don’t already have an American Express account
  • If you need a personal loan today
American Express Personal Loans Pros and Cons List
Pros Cons
You can get a decision on your application in seconds You must be a cardholder to apply
The application doesn’t affect your credit score You must be preapproved to apply
They have no origination fees They do charge late payment fees

An Alternative to American Express Personal Loans

If an American Express personal loan doesn’t meet your requirements as a loan customer then you need to take a look at the Check City personal loan! It might be exactly what you’re looking for.

Reasons to Get a Check City Personal Loan:

american express personal loan

  • The straightforward service of a direct lender
  • The safety of a state licensed lender
  • A fast and easy application process
  • You don’t need a high credit score to apply
  • There are no origination fees
  • You can get your loan TODAY
  • You can pay back your loan in as little as 6 months
How to Apply for a Check City Personal Loan

The Check City Personal Loan has a fast and simple application process. All you have to do is visit the Check City Personal Loan Page. From there you can finish your loan application in just a few minutes. You can also apply for a Check City personal loan inside any of our stores, or by calling a Check City representative to apply over the phone.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online.

Apply in the Store.

Or call Check City’s Loans By Phone number: 800-404-0254

Applying for a personal loan from Check City is fast, easy, and anyone can apply. So you don’t need to already be a Check City customer and you don’t need to have a high credit score to apply. Check City also offers multiple ways to apply for your loan. You can apply online, over the phone, or at any Check City location. You only need a few things to apply and Check City personal loan applications only take a few minutes.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

SoFi Personal Loans American Express Personal Loans
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $5,000 to $100,000 $3,500 to $40,000
Rates lower APR than our payday loans 6.99% to 24.99% APR 5.49% to 22.99% APR 5.99% to 20.01% APR 6.90% to 19.98%
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no fees no origination fee, there are late fees
Terms 6 months 36 to 84 months (3 to 7 years) 12 to 84 months (1 to 7 years) 24 to 84 months 12 to 48 months (1 to 4 years)
Min. Credit Score Check City doesn’t pull a traditional credit check, and if you have a low credit score you can still apply for a Check City personal loan 660 600 680 660

 

Personal loans come with requirements and so do you! You need a personal loan that works best for you and your needs which is why you’re researching loan providers before making a choice. Everyone is looking for something different in a personal loan; like the ability to refinance the loan later, or the ability to get the loan right away. You can find all these key features with a Check City Personal Loan!

 

READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

SoFi Personal Loan

SoFi offers Personal Loans up to $100,000, but only to those with a $45,000 annual income and 680 Credit Score. If you need a Smaller, more Flexible Personal Loan than the Check City Personal Loan might be right for you!

Loans comes with their own requirements and so do you as a loan customer! Every loan is going to come with different costs and benefits, so it’s important to do a bit of loan shopping and research before you make your final choice. That way you can get the loan that makes the most sense for your own personal needs.

SoFi Personal Loans: A Quick Look

A personal loan from SoFi can be anywhere from $5,000 to $100,000 with an APR range between 5.99% and 20.01%. SoFi personal loans don’t have any fees outside of their interest rates and you can pay back your loan in 2 to 7 years. SoFi even offers personal loans for students to refinance their college debts.

Maximum Personal Loan: $100,000

Minimum Personal Loan: $5,000

Rates: 5.99% to 20.01% APR

Fees: no origination fee, no prepayment fee, no late fees

Terms: 24 to 84 months (2 to 7 years)

When: 1 to 7 business days

Basically, the SoFi personal loan is a larger loan with a longer payment term. The Sofi personal loan is most commonly used to pay off credit cards, invest in home improvements, moving costs, medical bills, student loans, and other larger purchases. They also offer a fixed payment plan.

Who are SoFi Personal Loans Perfect For?

The SoFi personal loan is great if you need to consolidate large debts with high interest rates. It’s also a good loan if you need a larger loan for things like major home improvements or college tuition. If you need a much larger loan and you meet the below requirements, then this loan may be perfect for you.

  • If you have a credit score of 680 or higher
  • If you need a large loan amount
  • If you want a longer loan term
  • If you already have a SoFi account

Who Should NOT Get a SoFi Personal Loan?

If the items mentioned above don’t work for you, or you just need a quicker, smaller loan then the perfect loan option for you is still out there. If the items listed below better suit your loan wants and needs then you might want to consider coming to Check City as your personal loan provider.

  • If you need a smaller loan
  • If you want to finish paying back the loan in 6 months
  • If you don’t already have a SoFi account
  • If you need funds fast
  • If your credit score can’t afford a hard credit pull
SoFi Personal Loans Pros and Cons List
Pros Cons
Fixed rates and monthly payments Hard credit pull that will affect your credit score
You can get a larger loan up to $100,000 You need a 680 credit score or higher
They have zero fees for their loans Can take up to 7 business days to receive funds
Need an annual income of at least $45,000

An Alternative to SoFi Personal Loans

Check City offers a unique loan solution than other loan providers. SoFi personal loans may not meet your requirements as a loan customer and in that case you can check out the Check City personal loan! It might be exactly what you’re looking for.

Reasons to Get a Check City Personal Loan:

sofi personal loan

  • The straightforward service of a direct lender
  • The safety of a state licensed lender
  • A fast and easy application process
  • You don’t need a high credit score to apply
  • There are no origination fees
  • You don’t have to wait, you can get your loan TODAY
  • You can pay back your loan in as little as 6 months
How to Apply for a Check City Personal Loan

The Check City Personal Loan application is fast and easy to do. All you have to do is visit the Check City Personal Loan Page. From there you can quickly fill out the application on the side of that webpage. You can also find a nearby Check City store to apply or give us a call to apply over the phone if either of those options works better for you.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online.

Apply in the Store.

Or call Check City’s Loans By Phone number: 800-404-0254

The online application for a Check City Personal Loan is incredibly easy to do, but if you want your funds even sooner, you can apply in the store and get your personal loan funds the SAME DAY! Our personal loans work well for anyone who needs a fast, small loan that you can finish paying off in just 6 months rather than years.

Check City Personal Loans are also a helpful option for anyone with a low credit score, or who can’t afford a hard pull on their credit score right now, because we don’t pull a traditional credit report when processing a loan application. If this personal loan option sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and get your funds now.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

Chase Auto Loans Bank of America Auto Loans Capital One Auto Loan SoFi Personal Loans
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $4,000 to $600,000 min. $7,500 min. $4,000 $5,000 to $100,000
Rates lower APR than our payday loans 6.99% to 24.99% APR 5.49% to 22.99% APR depends min. 2.99% to 5.99% depends 5.99% to 20.01% APR
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties depends no application fee depends no fees
Terms 6 months 36 to 84 months (3 to 7 years) 12 to 84 months (1 to 7 years) 12 to 84 months 60 months depending 24 to 84 months 24 to 84 months
Min. Credit Score Check City doesn’t pull a traditional credit check, and if you have a low credit score you can still apply for a Check City personal loan 660 600 high credit score subject to credit approval subject to credit approval 680

 

When you think of loans you often think about the requirements you need to meet in order for your application to get approved. But you have loan requirements too! Everyone is looking for something different in a personal loan, like the ability to refinance the loan later, or the ability to get the loan right away. You can find all these key qualities with a Check City Personal Loan!

Whatever your own personal loan requirements might be, you should always study up on what features each loan provides before making a choice.

 
READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

The Ultimate Black Friday Strategy Guide

In this article you’ll find an in-depth strategy guide for how to tackle your Black Friday shopping this year. Not only that but we’ve provided a guide at the bottom of this article that links to all the Black Friday ads you want (from Target ads to GameStop ads) and their store hours on Thanksgiving day and Black Friday.

The Most Useful Black Friday Shopping Tips

black friday shopping

Tip 1: Hire a Babysitter

Bringing small children along with you to shop on Black Friday isn’t a great idea. Generally they’ll be too young to enjoy the crowds and long waits in line. In fact, they’ll probably hate it and keep you from being out as long as you could be without them. They’ll just get tired, hungry, and bored so keeping the kids safe at home with a spouse or babysitter is better.

Tip 2: Make a Budget

The very first thing you’ll want to do when planning your Black Friday strategy is figure out your budget. This is important so that you stay in control of your finances and not blow all your money on Black Friday. A budget will let you know how much you’re allowed to spend.

Tip 3: Check Out the Ads

Do some pre-shopping preparation by researching what you want to buy now. You can check out the prices of things you want by looking through Black Friday ads beforehand. Make a list of the things you want from each catalogue. Include in your list the price of each item, where they can be purchased, and whether they can be purchased online. This will give you a kind of master shopping list so you can see all of your options.

Tip 4: Prioritize Your Shopping List

Don’t buy everything on your master shopping list. Instead, number the items on your list from most to least important. That way you can match your final shopping list to the budget you made in the first step. Planning your Black Friday shopping trip to this extent can also help you not impulse buy the whole store.

Tip 5: Make Black Friday Shopping a Bonding Experience

There’s no reason shopping on Black Friday can’t be a fun bonding experience with you and your fellow shopping lovers. Make an event out of it by preparing together and using all that line waiting to talk with and bond with your shopping buddies. You can also make the experience a fun time to bond by going out to eat a victory meal once all your shopping is done!

Tip 6: Plan Your Shopping Trips

Actually schedule and plan your shopping trip. Make a shared schedule with everyone you’re shopping with and mark down what order you plan on visiting each store. That way you won’t be left debating where you should go first when you get in the car to start your Black Friday trip. Instead you’ll already have it all figured out.

Tip 7: Skip the Doorbusters

Instead of going Black Friday shopping when everyone else is out flooding the roads and the stores, feel free to go shopping way earlier or way later than everyone else! If you go after the bustle you may not find as many things still in stock, but your overall shopping experience will be much calmer.

black friday shopping tips

Tip 8: Don’t Forget to Shop Online

Don’t forget that you can shop online too. In fact, you can find a lot of Black Friday deals that are exclusive to the stores website now, meaning you have to purchase some things online to get the Black Friday deal. There’s also the matter of stores and roads becoming extremely overcrowded every Black Frida, so if you can find what you want online instead, you’ll save yourself a lot of hassle and help keep the stores and roads less congested.

Tip 9: Don’t Miss the Deals Around Black Friday

A lot of stores now have Black Friday deals that happen before and after the actual day. In some cases you might even be able to skip shopping on Friday to go to those sales instead. When planning you trip and checking out the deals around Black Friday, don’t miss the sales going on before and after Black Friday too.

Tip 10: Don’t Use a Cart

Don’t use a cart if you can. It’ll just take up space in the already crowded aisles and keep you from being speedy as you maneuver through the store. That being said, if you’re buying something heavy or big, don’t hurt yourself by trying to carry it.

Tip 11: Dress for the Occasion

Make sure you dress right for Black Friday shopping. It is going to be cold outside, but warm inside the busy stores. You are also going to be on your feet a lot and possibly need to carry a lot of shopping bags around. Keep all of these factors in mind when you choose your Black Friday battle outfit. Wear shoes that have thick insoles (like your running shoes) so your feet will have adequate support for standing in line for a long time. Wear warm, long sleeve clothes for if you need to wait outside before stores open, but don’t wear anything too bulky or too warm since you’ll also be waiting in long lines inside hot, overpopulated stores as well. Wearing long sleeves with a vest or medium sized jacket should give you the right blend. Try to not carry a purse while Black Friday shopping since you want to travel light. Instead carry a small, pocket-friendly wallet, or a smaller purse so you can travel light.

Tip 12: Check the Deals are Worth It

Make sure the prices are actually a worthwhile deal before you go through all the trouble to get them. Sometimes similar deals come up later in the year when shopping isn’t so crazy. It’s also a good idea to know the original price of the item so you can see if you’re actually saving all that much.

Tip 13: Bring Your Own Shopping Bags

By bringing your own shopping bags you can help out the environment a little, and also make your life easier. With your own shopping bags you can carry around the items you want to purchase more easily while you finish shopping and wait in those long lines. But carrying a bag will leave you with a lot more mobility in the store then a cart will.

Tip 14: Form Teams

Make teams so that you can divide and conquer your Black Friday shopping goals. You can send your teams to different stores so you can all finish the shopping a lot faster than if you all had to go to each store together.

Tip 15: Do in Store Pick Up

Take advantage of the in store pick up feature when you can. Even on Black Friday some store will still let you buy online and pick up in the store. Then you can possibly avoid some lines!

Tip 16: Be Mindful of Your Funds

Make sure you keep track of your funds and how much you’re spending at each store. For instance, if you’re paying in cash, keep in mind how much cash you have so you don’t suddenly find yourself short once you finally make it to the cashier. If you’re paying with a card then make sure you know how much is on it so you don’t end up with any overdraft fees.

Tip 17: Bring Snacks!

Bring a snack! Keep yourself energized and fueled so that your Black Friday shopping experience can be a positive one. Having snacks can help your team stay positive too.

The Ultimate Guide to Black Friday Ads

black friday store hours

Check out the Best Buy Black Friday Ad

Best Buy Black Friday Store Hours:

Thursday 28: opens at 5:00pm

Friday 29: closes at 1:00am. The doors open again at 8:00am.

Best Buy Thanksgiving Store Hours:

Thanksgiving Day (Thursday 28): opens at 5:00pm until 1:00am the next morning

Check out the Target Black Friday Ad

Best Buy Black Friday Store Hours:

Thursday 28: opens at 5:00pm

Friday 29: closes at 1:00am. The doors open again at 7:00am.

Best Buy Thanksgiving Store Hours:

Thanksgiving Day (Thursday 28): open from 5:00pm until 1:00am the next morning.

Check out the Walmart Black Friday Ad

Best Buy Black Friday Store Hours:

Thursday 28: opens at 6:00pm

Best Buy Thanksgiving Store Hours:

Thanksgiving Day (Thursday 28): opens at 6:00pm

Check out the Amazon Black Friday Ad

Best Buy Black Friday Store Hours:

Thursday 28: all day online

Friday 29: all day online

Best Buy Thanksgiving Store Hours:

Thanksgiving Day (Thursday 28): all day online

Check out the Kohls Black Friday Ad

Best Buy Black Friday Store Hours:

Thursday 28: open from 5:00pm to 12:00am (midnight)

Friday 29: open from 8:00am to 12:00am (midnight)

Best Buy Thanksgiving Store Hours:

Thanksgiving Day (Thursday 28): open from 5:00pm to 12:00am (midnight)

Check out the Home Depot Black Friday Ad

Best Buy Black Friday Store Hours:

Friday 29: opens at 6:00am

Best Buy Thanksgiving Store Hours:

Thanksgiving Day (Thursday 28): closed all day

Check out the Costco Black Friday Ad

Best Buy Black Friday Store Hours:

Friday 29: opens at 9:00am

Best Buy Thanksgiving Store Hours:

Thanksgiving Day (Thursday 28): closed all day

Check out the GameStop Black Friday Ad

Best Buy Black Friday Store Hours:

Thursday 28: open from 3:00pm to 10:00pm

Friday 29: Opens at 7:00am

Best Buy Thanksgiving Store Hours:

Thanksgiving Day (Thursday 28): open from 3:00pm to 10:00pm

 
Black Friday is a fun and exciting time. There are so many important deals that you can take advantage of, and with a personal loan you can make sure you have enough funds to get all the Black Friday discounts you need. But while you do your shopping this year remember that it’s still the season of giving and gratitude, so be kind to your fellow shoppers.


READ MORE

Use these tips to get even more deals this Black Friday, “Find the Best Black Friday Sales with These 5 Tips.”

Read about what to do AFTER Black Friday shopping, “The Aftermath of Black Friday.”


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