Holiday Loan rates are fixed and based on your credit tier. As of November 1, 2025, the fixed APRs for personal loans are: 7.99% APR, 9.49% APR, 10.99% APR, and 12.99% APR.
Your exact rate will be determined during the application process based on creditworthiness and eligibility.

The Holiday Loan works similarly to our Signature Loan, but it is a seasonal offer available only from November 1 through January 31, with fixed rates and loan amounts up to $5,000. It includes the same benefits, such as no prepayment penalties and eligibility for the Skip-a-Payment program.

Most applications receive a decision within 24 hours, as long as all required information is complete. Funding is usually available within 48 hours after approval. Processing times may vary based on application volume or documentation requirements.

Not all international members qualify. Only members who belong to specific eligible employer groups (SEGs) outside the U.S. may apply for unsecured loans such as the Holiday Loan.

This includes members affiliated with organizations such as:

• OAS (Organization of American States)
• CAF (Development Bank of Latin America)
• IICA (Inter-American Institute for Cooperation on Agriculture)

Eligibility also depends on meeting standard credit requirements and maintaining your membership in good standing.

Yes. You can consolidate multiple credit card balances or personal loans into a single fixed monthly payment. This can help simplify your finances and provide more predictability during the holiday season and into the new year.