Holiday Loan
Enjoy the Holidays with a $1,000 Loan at 28% APR¹
Don’t let seasonal expenses stress your wallet — borrow a little extra this year and enjoy the peace of mind you deserve.
Get a Holiday Loan?
Stress-Free Holidays Start HereThe holidays can bring extra expenses, but your peace of mind doesn’t have to take a hit. With a $1,000 Holiday Loan from Neighborhood Credit Union, you can cover travel, gifts, or unexpected bills, and focus on what really matters this season. |
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Fast and Easy ApplicationApply quickly and securely through Online Banking, our Mobile App, or at any branch. The process takes just minutes, so you can get the support you need without the wait. |
Quick ApprovalsQualified members can enjoy fast approvals and prompt funding, helping you stay on top of seasonal expenses right when you need it most. |
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Simple TermsBorrow up to $1,000 for 12 months at 28% APR¹ no surprises, just straightforward support from the credit union that puts members first. |
¹Must be 18 years or older and a member of Neighborhood Credit Union for a minimum of 12 consecutive months. Loan application and approval required. Loan cannot exceed $1,000 with a term not exceeding 12 months. An APR of 28.00% will be applied. Must have a direct deposit of at least $250 per deposit into an established linked account during the term of the loan. Proof of income is required. Holiday Loan is not eligible for the Skip-a-Payment program. Only one Holiday Loan can be open at a time. Member's accounts must be in good standing to qualify for loan. Current loans cannot have delinquencies within last 12 months. Members with open Overdraft Loans are not eligible. Holiday Loan has a $20 processing fee. Late payment fees assessed separately. Other restrictions may apply. Offer ends 12/31/2025 at 11:59pm Central Time. Equal Opportunity Lender. .
Perks of a Loan at Neighborhood Credit Union
Apply Online in Under 10 Minutes
Short-Term Loan at 12 Months
Always Better Rates than Big Banks
Find What Works Best for You
Refer a Friend, Earn $200 Cash
Through our Loan Referral Program, whenever you refer a new or existing member to Neighborhood CU for an Auto loan, you can receive $200!
Project Plus Home Loans
Our Projects Plus Home Loan is classified as a personal loan, making it a simple lending process on both borrower and lender. Finally get that pool, invest in solar panels, or start those improvements.
Why choose Neighborhood Credit Union?
We value all the members of our community here in Texas, and that's why Neighborhood Credit Union wants everyone to have access to affordable loan options.
As a not-for-profit organization, we can offer you competitive rates and fewer fees. Just stop by your preferred branch around the DFW Metroplex and find out how we can help!
You can get a free online banking account and easily manage your auto loan through Online Banking or the MyNCU Mobile App on iOS or Android.
Neighborhood Credit Union is proud to be a full-service digital financial institution.
Our personal loan application process is simple and secure!
STEP 1
Apply For Loan
If you're ready to knock out your holiday shopping, begin your application with just a few simple questions.
STEP 2
Quick Review
We'll check if you're eligible and, if approved, offer you a loan amount and rate for the 12-month term.
STEP 3
Start Shopping
Once the paperwork has been completed and the loan has been funded, the shopping can begin!
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Frequently Asked Questions
Joining Neighborhood Credit Union is easier than you think! If you are a resident of Texas, you're able to become a member!
You don't give up anything when you switch from a big bank, either. We offer several online & mobile services(Opens in a new Window) and convenience services(Opens in a new Window), including online banking, the MyNCU Mobile App for iOS and Android, mobile check deposit, courtesy pay, and more. Not only are we a fully digital credit union, but we have 13 locations in the DFW Metroplex(Opens in a new Window).
Applying is easy! Quickly apply online. We will be happy to assist you.
A holiday loan is a personal loan designed to help cover the extra expenses of the holiday season, including gifts, travel, and seasonal costs. These loans typically feature fixed interest rates and repayment terms, making it easy to borrow what you need and pay it back over time. At Neighborhood Credit Union, we offer a quick and simple online application process, so you can get approved and access funds fast. A holiday loan is a great way to manage your seasonal expenses without the stress of maxing out your credit cards.
There are! Visit our Personal Loans page to find what you're looking for.