The holiday season brings plenty of reasons to celebrate, but it can also come with a lot of extra expenses. Consumers expect to spend an average of $736 on holiday gifts in 2025 — a 10% increase from the previous year, according to a Visa Business and Economic Insights survey. To help cover costs, you may consider a holiday loan, a type of personal loan specifically designed for seasonal spending. Borrowing money for nonessential expenses can be risky, though, especially if you don't have a solid plan fo ...