Breathe easier this Christmas with a short-term personal loan.
Get holiday help from your local credit union. Personal loans up to $5,000 with payments starting February 2026.
Want to know if you qualify?
Enter your info below for more details
Simple. Local. Stress-free.
The holidays can get expensive fast and credit cards make it worse. Freedom Credit Union’s Christmas Loan gives you breathing room to enjoy the season without the debt hangover.
“By far the best bank! I opened an account a couple years ago and requested a loan for my first car, Reyna Boekweg gave me the best service I’ve ever received from an executive. They offered me a really good interest rate on my loan and worked super fast to get things done. I’ll always be loyal to FCU because of all the help they gave me!”
— Abraham P., Freedom Credit Union Member
Here’s how it works
- Borrow up to $5,000 based on your credit
- No payments until February 2026
- 10-month term
- Auto pay required to keep things easy
Why Freedom Credit Union?
- Locally owned, federally insured
- Rated 5 stars for service
- Rewards Checking that actually rewards you
- Serving Utah County families for over 65 years
Ready to get started?
Fill out the quick form to get your loan details. You can apply right away or wait until you’re ready. Either way, you’ll get exclusive access to tips and reminders before the offer ends.
Want to know if you qualify?
Enter your information below.
| Credit Score | Max Loan Amount | APR |
|---|---|---|
| 680+ | $5,000 or 2 month's net income* | 8.99% |
| 640-679 | $3,000 or 2 month's net income* | 10.99% |
| 600-639 | $1,000 or 1 month’s net income* | 15.99% |
| 560-599 | $500 | 18.00% |
| Below 560 | Not eligible | - |
| ITIN | $500 | Rate depends on score. Must be a member 6 months |
Final offer depends on credit approval and a review of current unsecured debt. Monthly and unsecured debt to income must meet standard underwriting. Rate and amount depend on credit.
*Max loan amount for credit scores between 600 – 680+ is either the specified dollar amount or # of months net income, whichever is less