i think most of us asked this question
the answer is that you can apply for an loan extremly easy and secure. you just tell them about yourself and how much you want to borrow and after that in about one hour they will contact you and tell if you got the loan or not.
that simple, money in account in maximum 24hours.
but you should take them before hollyday because then they take kind of a break, you can apply, they tell you if you get the loan but they don't give you the money untill the hollyday is over.
best wishes