Emergency loans · $300 – $2,000
Seasonal expense loans for the months that cost more.
School supplies, holiday travel, a winter heating bill, a wedding you're standing in. Borrow $300 to $2,000 and repay over the next few paychecks.
Decision in minutesFunds by next business daySoft credit check
What seasonal & back-to-school typically costs
Ballpark ranges in the U.S. — get a written quote before you borrow so you request only what you need.
Back-to-school (per child)$300 – $900
Holiday travel (domestic)$400 – $1,200
Winter heating spike$150 – $400 / month
Wedding guest costs$300 – $1,000
Summer camp deposit$200 – $600
Before you borrow
- Borrow for the fixed cost (tuition, ticket, deposit), not for gifts or extras.
- A 3-month installment loan often costs less than two short-term rollovers.
- Set the payment date after the next paycheck, not the same day.
- Next year, split the cost across the months before the season.
How it works for seasonal & back-to-school
One request, lenders licensed in your state, the agreement before you sign.
Request now- RequestAmount, pay date, checking account — 3 minutes
- Soft checkEligibility without touching your score
- AgreementAPR, schedule and total shown; decline free
- FundedNext business day; same day possible
Seasonal & back-to-school loan FAQ
Can I get a loan for holiday shopping?
You can, but lenders and we recommend borrowing only for fixed, necessary costs. A loan for gifts is the kind of debt that lingers.
What's the cheapest way to borrow a small seasonal amount?
A credit-union payday alternative loan (28% cap) if you're a member; otherwise a short installment term through Bear Loan.
How fast is funding?
Next business day typically.
Cover the seasonal & back-to-school — then get on with your week.
Request $300 – $2,000 with a soft credit check. See the full cost before you decide.
No impact to your score$0 application fee3-minute form256-bit encrypted