Unwrap a Low-Rate Holiday Loan

Simplify holiday spending with affordable financing and fixed monthly payments.

Whether it's holiday gifts, travel, or seasonal purchases, our Holiday Loan helps make the season more enjoyable and affordable. With rates that are typically much lower than most credit card interest rates, a Holiday Loan can help you save money while spreading holiday expenses into affordable monthly payments. Apply in minutes and manage everything through Digital Banking, including convenient automatic payment options.

Features Include:

Rates as low as 6.99% APR*
Borrow up to $5,000
Fixed monthly payments
12-month repayment term
Quick online application process
Manage your loan through Digital Banking
Convenient automatic payment options
Fast lending decisions from your local credit union

Why Choose a Holiday Loan?

The holidays often come with additional expenses. A Holiday Loan can help you spread costs into manageable monthly payments while keeping your budget on track throughout the season. Compared to carrying a balance on a credit card, a Holiday Loan offers a structured repayment plan that can help you manage holiday expenses more effectively.

Perfect For:

Holiday gifts
Seasonal travel
Family gatherings
Special purchases
Unexpected year-end expenses

Automatic payment options make repayment even easier, helping you stay on schedule while potentially qualifying for additional rate discounts.

Get Started

Apply online today and see how a Holiday Loan can help make the season more affordable.

*Annual Percentage Rate (APR) current as of 10/1/26. Offer available through 2/28/27. Rates are based on an evaluation of each applicant's credit and may vary. Rates shown include a 0.25% discount for automatic payment and an additional 0.50% discount for having a qualifying Rewards Relationship. To qualify for a Rewards Rate, members must have eStatements and either (a) direct deposit of at least $500 per month with an active Market USA checking account, or (b) at least $25,000 on deposit. Payments at 6.99% APR for 12 months are approximately $86.52 per $1,000 borrowed per month. Financing available for qualified Market USA members. Loans subject to credit approval. Terms and conditions may apply.

Market USA Federal Credit Union is a full-service financial institution with locations in Maryland and South Carolina as well as nationwide locations through the Shared Branch Network.