Christmas loans are offered seasonally from November 1 - December 31 each year. 

All members are eligible for an 8.0% fixed interest rate, regardless of their credit score, but they still need to qualify for the loan through our normal underwriting process. As per our current unsecured loan policy, the maximum loan amount is $5,000 per person, HOWEVER, these loans must be paid in full by October 31 of the following year. With just a 10-11 month repayment period, it is not typically practical for a $5,000 Christmas loan. They are usually written for $2,000 or less. 

These loans are not eligible for skip-a-pay.