A Holiday Present – Just for You!
The holiday season is HERE – and so are holiday expenses! No holiday savings this year? You’re not alone.
Many have been unable to save for the 2025 holiday season, and may feel the need to depend on credit cards for holiday expenses. Unfortunately, this may be more financially harmful than helpful. Kansas City Credit Union is here to offer a lower-stress solution that could cover your seasonal expenses while successfully avoiding high-interest credit cards and predatory lenders.
Try the 12/12/12 Holiday Loan from Kansas City Credit Union – the perfect option to help you enjoy the holidays worry-free! Cover your holiday expenses with a $1,200 loan for a 12-month term at a 12% interest rate.
Ready to spend this season worry-free and to be holiday-ready?
Click the button below, then choose the “Holiday Loan” option in the dropdown. Any questions? Contact us online today!
Why Holiday Loans Are Preferable to Credit Cards
At KCCU, our goal and purpose is to help you make the best possible financial decisions and give you the tools to do so. Keep reading to discover why a personal holiday loan for your seasonal expenses might be a better choice than credit card charges this year.
Holiday loans are an excellent resource for any extra seasonal expenses from Christmas presents to travel funds. Unlike credit cards, with fluctuating interest rates and payments, you’ll know exactly how much your monthly payment will be and how long you’ll be paying off the loan. These loans are traditionally unsecured, which means they will not require collateral. Because of this, financial institutions, like banks and credit unions, rely instead on determining factors like your income, your credit score, and debt-to-income ratio to decide your eligibility.
With the 12-12-12 Holiday Loan, borrowers with good credit will receive a lower APR as compared to many credit cards. Additionally, KCCU will break up your loan cost into fixed monthly payments over a predetermined amount of time. Plus, a holiday loan can diversify your credit profile and provide a credit score boost as long as you always make your payments on time.
Financial Advice for Holiday Loans
Only Spend What You Borrow
When you limit your spending to the borrowed amount, you’re able to avoid impulse buys or continuous credit card charges. This does mean you will have to budget your holiday season ahead of time; plan your bills, gifts, and travel expenses before the holiday season starts. By sticking to the budget and your borrowed amount, you’re able to fully enjoy your holiday season. You’ll have the freedom to purchase up to what’s in the budget, without the temptation of additional expenses.
Choose Your Lender Carefully
Use caution when searching for holiday expense resources. Some lenders are not safe options; payday loan lenders, for example, take advantage of consumers in need of quick holiday money with no credit check. Borrowers are then trapped into an expensive cycle of borrowing with short repayment terms and extremely high APRs. Holidays loans are not payday loans – you will want to verify that lenders are offering affordable loan rates with reasonable fees, per your financial situation.
The 12-12-12 Loan amount is $1,200; payback period for this loan is a maximum of 12 months; interest rate is 12%. Offer to apply for this loan is valid now through December 31, 2025. Processing fee is waived. 640+ Credit Score required. Rates and offer are subject to change. Standard underwriting guidelines apply. Insured by NCUA.
