Holiday Loans

Holiday Loans

Let your holiday dreams unfold

Every celebration starts with a simple wish. It’s time to bring that wish to life and cover seasonal expenses like gifts, travel, or cherished traditions without tapping into your savings or racking up high-interest credit card debt. Bring the season’s joy straight to your budget and enjoy no payments until January 2026*!

Bundle Up Your Holiday Plans

  • Affordable fixed-rate starting at 8.49% APR*
  • Borrow up to $500 to $5,000
  • 12 monthly or 26 bi-weekly payments
  • Save more compared to high-interest credit cards or loans
  • Easy online application and quick decisions
  • Cover the unexpected with Peace of Mind Protection

How to Apply

Two easy ways to apply for a Holiday Loan.

Loan Application

Apply through our quick and easy online application.

Online or Mobile Banking

Log in and click on Holiday Loan from the menu to apply.

I always receive exceptional member service, and the rates are very reasonable! I requested a holiday loan online and it was approved in seconds.

-Graciela S


Holiday Loan

Rates accurate as of 11/14/2025
All rates and terms subject to change without notice.

as low as rates
TermAPR* as low as
12 Months8.49%

*Annual Percentage Rates (APR) effective 11/3/25 and may vary depending on each individual’s credit history and underwriting factors. Credit check is required. Quoted rate is our best rate. Subject to credit approval. Must be in good standing with USC Credit Union. Offer expires December 31, 2025. Make no payments until January 2026. Monthly payment per $1,000 for 12 months at 8.49% APR is $87.22. This payment example is for illustration purposes only. Your actual payment may vary. Collateral securing other loans with the Credit Union may also secure this loan. Interest accrues immediately after the loan is funded. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. For questions or concerns, please call (877) 670-5860.

  • Checking Accounts

    Free ATMs. Free Online Banking. USC Credit Union checking accounts give you perks and plenty of choices from our no-fee basic to interest-bearing accounts.

  • Family Membership

    Already a member? Extend the benefits of USC Credit Union membership to everyone in your immediate family or household – they’re all invited to become a member owner!

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