12 Nov

5 Reasons to Get a Holiday Loan

HOliday Loan for Christmas Market

The chaos of holiday season is starting up and if you’re fretting over holiday expenses, RMLEFCU is here to help you. It can feel overwhelming when you start thinking about what you need to buy or where you need to travel over the holidays, and this can leave you feeling stressed out over your budget. Our holiday loan can help you solve the holiday budget crisis and more! Read on to see how getting a holiday loan can save you this season.

Planning Ahead

If your holiday shopping funds and expenses usually run low before the holidays are over, your seasonal budget may be miscalculated. A Holiday Loan can help you to plan and execute a holiday budget as closely as possible. When armed with a solid budget, unforeseen expenses and more often, unexpected sales, we’re more likely to stay on track.

Less Stress

The holidays are stressful enough. Holiday loans give you the cash you need so you can have one less thing to worry about. It gives you a chance to relax and enjoy the holidays with family and friends. When you apply and receive approval, you can have up to 12 months to repay your Holiday Loan. Once your funds are secured, you can follow your repayment plan, and not stress about credit card debt or cutting holiday expenses. Cover all your expenses and relax while doing so.

Know What You Can Spend

While the funds from a Holiday Loan are there to help you get through a busy financial time, we help you ensure that you can afford the payments before finalizing the loan. You may need to change your gift list, shopping plans, social calendar, or travel plans if your monthly budget cannot accommodate the additional amount. We will help you to work out the details so that in one year (or less) you can pay off your loan and be prepared for next year!

Set a Budget

The RMLEFCU Holiday Loan is currently at 5% APR*. This rate is substantially lower than most credit cards and the terms permit repayment for up to 12 months in defined monthly amounts. Resorting to high-interest rate credit cards to cover the cost of gifts or unexpected expenses could wreak havoc on a household budget. A Holiday Loan makes payments predictable and manageable.

Fast and Convenient

Applying for a holiday loan with RMLEFCU is fast and convenient! You don’t even need to make a trip to the credit union. Just simply apply online or give us a call at 303-458-6660. With our credit union’s quick local decision making, you’ll be notified in no time about your approval! Time to brighten up the season with an RMLEFCU holiday loan.

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