Holiday Options Loan: Make the Season Brighter - Without the Stress
- Options Credit Union
- Dec 9
- 2 min read
The holidays should be about joy, connection, and meaningful moments—not worrying about how to pay for everything that comes with the season. Whether you’re covering gifts, travel, celebrations, or unexpected expenses, Options Credit Union’s Holiday Options Loan is here to help you enjoy the season with confidence.
A Simple, Affordable Way to Cover Holiday Expenses
Our Holiday Options Loan is designed to give you flexibility and peace of mind—without relying on high-interest credit cards or draining your savings.
🎁 Holiday Options Loan Highlights
Borrow up to $1,600
12-month repayment term
As low as 6.25% APR*
Must be a member for at least 90 days to qualify
Fixed payments you can plan for
Local decisions and personal service
Whether you’re smoothing out holiday spending or covering a few extra expenses, this short-term loan helps keep your budget on track well into the new year.
Why Choose a Holiday Options Loan?
Unlike big banks or retail credit cards, we’re a member-owned, not-for-profit credit union. That means our goal isn’t profit—it’s helping members make smart financial choices.
With the Holiday Options Loan, you benefit from:
Lower rates than most credit cards
A clear payoff timeline—no revolving balances
A local, trusted financial partner that puts members first
It’s a practical way to handle seasonal costs while still protecting your long-term financial goals.
Apply Now—Enjoy the Holidays with Less Stress
The holidays come quickly, and so should financial help when you need it. If you have been a member for at least 90 days then applying is simple, and our team is ready to guide you every step of the way.
👉 Apply now and put the financial stress aside—so you can focus on what truly matters this season.
*APR = Annual Percentage Rate | Term is fixed at 12 months | Estimated monthly payment of $137.89 at the lowest rate | The rate may vary depending on each individuals' credit history | All Credit Union loan programs, rates, terms and conditions are subject to change without notice | Must be a member for a minimum of 90 days to be eligible.
