Christmas loans for bad credit are quite common. In fact, over half of all approved payday loans are for people with poor or bad credit. If you have recently defaulted on a payday loan, it is likely your loan request will be rejected. And direct lenders generally do not do hard credit checks when reviewing loan requests. This is because the number one thing lenders look for is your current income level. It is the best indicator of your ability to repay your loan.

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Author's Bio: 

Robin Williams is the General Manager at CashOne, a reputable financial services company that helps consumers tide over their short-term financial crises.