After a woman's boyfriend breaks up with her right before the holidays, she agrees to go home with an actor who will pose as her boyfriend.

Two busy strangers meet when they help an elderly woman find her lost Christmas savings. Thanks to fate and Christmas magic, they also find something they were both missing: true love.

When her Philadelphia radio station is closed for repair for the holidays, DJ Kara Porter is forced to broadcast from the small town of Bethlehem. She's desperate to increase her numbers and get promoted outside of Radio Christmas-a year-round Christmas station-and seeks to uncover the identity of the town's Secret Santa, an anonymous benefactor that saved all of Bethlehem's Christmas festivities. Along the way, she discovers the true meaning of family, community, love, and of course, Christmas.