The credit crunch is nearly over, just in time for Christmas. The biggest shopping day is the day after Thanksgiving and is known as Black Friday, because it is the day of the year that merchants go into the black and start turning profits. No wonder, with the millions of holiday shoppers that hit the malls and retail stores on this day! If you want to be among those who will find great bargains on their Christmas shopping needs, you should take out a Christmas loan today.Cover Your Holiday Cash NeedsA Christmas loan is a loan that is written expressly to cover Christmas shopping needs. There are so many expenses during this time of year – from buying gifts to paying for food and entertainment, it seems the list is endless. A Christmas loan can cover these expenses and more, with affordable monthly payments that you can easily manage.Get In On The Savings ManiaBlack Friday is the best time of the holiday season to get the most for your money. Many retailers offer door buster specials as early as 4 a.m. that feature savings up to 75% off regular retail. Many electronics that are hot items for the season are offered by retailers at deep discounts that cannot be had any other time of year. Oftentimes, Black Friday shoppers are treated to gift cards for being the first 100 through the door, so it is not uncommon to see people camping out overnight to ensure their place in line. With your Christmas loan in tow, you will be able to hit the stores running on Black Friday this year – you will thank yourself later when you calculate your savings.Many shoppers start planning for their Black Friday shopping the day before when advertising circulars are released for various stores. Some shoppers even put these in a binder, making up sort of a guidebook of where they plan to shop and the path they plan to take while shopping store to store. Die-hard Black Friday shoppers sometimes shop in teams – made up of family and friends- to grab the items that might be in limited quantity at special prices. For some families, Black Friday shopping is as much a tradition as turkey and dressing.Up To $5000 In Black Friday CashTo decide the amount of cash you will need this holiday shopping season, you might want to draw up a budget listing who will be gifted and what other supplies you will need. Most Christmas loans start out about at $1000 and go up to around $5000; depending on your needs and your ability to repay the loan, you can always ask for more.You might want to consider applying for your Christmas loan online. Online lenders typically provide the lowest interest rates possible in the industry, and also offer more flexible repayment options that are tailored to fit your budget.