Whether you’re checking off your holiday shopping list, traveling to see loved ones, or covering a few extra seasonal expenses, a little extra cash can make the holidays easier.
Make Spirits Bright with a Little Extra Spending Power:
Get up to $1,500 for your holiday needs with a simple, fixed-payment loan designed for members with an established relationship.
Loan Features:
- Fixed monthly payments over 12 months
- Fast, simple application process
- Funds you can use your way
How to Qualify:
To be eligible for the THCU HolidayLoan, members must meet the following criteria at the time of application:
- Active THCU membership for at least 6 months (180 days)
- Active THCU checking account
- Direct deposit totaling at least $800 per month for the past 5 consecutive months
- Account in good standing (no negative balance within the past 30 days and no excessive overdrafts)
- At least 18 years of age
Not Eligible Yet?
Members who do not currently meet these criteria may still apply for other unsecured loan options. Ask us how to qualify for future seasonal loan offers by establishing direct deposit and account history with THCU.
Limited Time Offer!
The THCU Holiday Loan is available through December 20, 2026.
Rates & Terms:
- Annual Percentage Rate (APR) as low as 9.89%
- Rate based on creditworthiness and other underwriting factors
- Loan term: 12 months
- Maximum loan amount: $1,500
- One Holiday Loan per member per promotional period
The THCU Holiday Loan is available through December 20, 2026.
Keep your holiday plans on track with Your Partner in Financial Health. Click the button below to apply today!
All loans are Annual Percentage Rate (APR). Rates and terms are subject to change without notice. Rates, terms and conditions are determined by the overall creditworthiness of each applicant, collateral value, amount financed and other factors. Some restrictions may apply. Additional financing options available. Other restrictions may apply.
THCU membership and active checking account required. Must be 18 or older with at least 6 months of membership. Direct deposit of $800 or more per month for the past 5 consecutive months required. Subject to qualification based on account history. Loan term is 12 months with fixed monthly payments. Maximum loan amount is $1,500. Only one Seasonal Loan per member at a time. Any outstanding Seasonal Loan balance must be paid in full from the proceeds of a new Seasonal Loan. Not available to associations or business accounts. Programs, rates, terms, and conditions are subject to change without notice. Additional restrictions may apply.