A little extra cheer, right when you need it.
Whether it’s gifts, travel, or unexpected holiday expenses, our Holiday Loan gives you access to fast, affordable funds with no penalty for early payoff, and it’s also a great way to build or strengthen your credit.
Loan Options
Choose the amount that fits your season:
- $500 Holiday Loan – As low as 13% APR for 12 months
- $800 Holiday Loan – As low as 12.55% APR for 12 months
- $1,000–$1,200 Holiday Loan – As low as 12% APR for 12 months
✔ Fixed monthly payments
✔ Decision based on your overall financial picture
✔ Designed for members at many credit levels
Why Members Love Our Holiday Loan
- Quick, simple application
- Credit-builder friendly (great for members building credit history)
- No early payoff penalty
- Competitive rates at every credit tier
- Local decisions, made by people who know you
How to Qualify
We look at your membership, income stability, credit history, and account standing. A few basics include:
- Active Red Oak Credit Union member with checking in good standing
- Steady income or direct deposit
- No major delinquencies or charge-offs
- Credit score helps determine loan amount & rate
Loan approval follows normal underwriting guidelines. Only one Holiday Loan per member at a time.
Ready to Get Started?
Apply today and make this holiday season a little brighter.
GET STARTED