Holiday Loan
Take away the stress of holiday expenses with a holiday loan. Pay less interest than credit cards and be debt-free in 12 months! See how we can help make your holidays a little brighter.
What is a holiday loan?
As the holidays approach, we all start looking at our budget. Holiday loans are a personal loan used to cover additional costs we often incur during the holiday season. A holiday loan provides added money for gifts, travel, celebrations, food, decorations, and more. A low-interest loan helps cover extra costs that often stress us around the holidays. Holiday loans are unsecured loans, meaning no collateral is needed.
So, take a moment to enjoy the holidays and all the family gatherings. With one simple loan application, you can breathe easy this holiday season.
How much money can you borrow with holiday loans?
At Money FCU, a holiday loan allows you to borrow up to $2,000 at 4.99% APR (annual percentage rate). Holiday loans are the perfect way to lighten a financial burden. With your new $2,000 spending limit, you have greater purchasing power at the tip of your fingers. The purpose behind a holiday loan is a low, fixed rate loan for a short, 1-year loan term. You can pay it off before the next holiday season.
A closer look at the interest.
With a $2,000 credit union holiday loan at 4.99% APR fixed interest rate, you will pay $2,054.47 after interest. Consider if your credit card has an average variable interest rate of 23.79% (as of May 2026 according to lendingtree.com). If you paid off the credit card in one year, you would pay almost $2,200. This figure does not include higher compound interest if you only make minimum payments and don’t pay it off in the year. In this case, you save over $145 with the holiday loan!
At this price, the holiday season never looked so good.
Do you need a holiday loan?
Seasons greetings bring added holiday expenses that can make even the most solid budgets take a financial dip. These added expenses compile quickly from gifts, holiday supplies, family meals, travel, and decorations.
Maybe you think you can stretch your savings account and pay for the upcoming holidays with cash on hand. But, let’s stop for a moment and take a closer look. A holiday loan costs you only 18¢ a day in interest to get through the holiday hassle-free and worry-free about spending. Don’t stretch your budget for the holidays. Get this low-cost holiday loan and enjoy spending while keeping your savings intact. When it comes to pennies on the dollar, those are pennies well spent.
First and foremost, holiday loans are ideal for seasonal shoppers put purchases on their higher interest credit cards. The set loan amount stops you from building uncontrolled credit card debt. Additionally, the set loan term prevents you from paying rollover and compound interest for extended periods of time. You also get the added benefit of savings from the low 4.99% interest rate of a holiday loan instead of the very high interest rates of credit cards. Now that’s a stocking stuffer to get excited about.
*Loans are subject to credit approval. Programs, rates, terms, and conditions are subject to change without notice. Offer ends 12/31/2025. Maximum $2,000 per household. Membership eligibility requirements apply for new members. Must credit qualify.
You still have time. Get a holiday loan in 1 day!
Are you running late and worried you no longer have the time to get a holiday loan? It’s okay – there’s still time! We can typically process your loan application and have the funds available in 1 business day. So make your list, check it twice, and get planning!
Looking for other helpful holiday links? Try our blogs:
Spend Less at Christmas by Planning Ahead and Sticking to a Christmas Budget.
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Your best holiday gift could be a holiday loan.
Great, let’s get you started. Apply for holiday loans here! Discover the magic of the holiday season, not the stress. Money FCU is always proud to find ways to help our members. That’s why we are happy to bring you this seasonal helper, the Money FCU holiday loan. Holiday loans allow you to avoid credit card debt, pay less in compound interest, and stick to a budget.
