Holiday Loans
Make the Season Sparkle with a Legacy Credit Union Holiday Loan
Spread joy and cheer this holiday season with a Legacy Credit Union Holiday Loan. Our flexible financing options can help you cover unexpected expenses, purchase gifts, and create unforgettable experiences.
Don’t let holiday spending stress you out. Apply for a Legacy Credit Union Holiday Loan online today and make this season truly memorable!
P.S. Act fast! Our Holiday Loan program is available for a limited time only (October 1, 2024 – January 31, 2025).
Benefits of Our Credit Union Holiday Loans:
Fast & Easy Online Application
Apply online in minutes and get a decision quickly.
Competitive Rates
Enjoy lower rates than most credit cards.
Flexible Terms
A 10-month repayment plan that fits your budget.
Peace of Mind
Focus on the things that matter most.
Holiday Loans: Make the Season Bright
Need a little extra cash to make this holiday season extra special? Our Holiday Loans can help with Christmas expenses, allowing you to create lasting memories without breaking the bank. With some extra holiday cash, you can reward yourself, treat the kids, and celebrate family like never before.
Quick approvals, competitive rates, and flexible terms mean you can focus on the things that matter most this holiday season.
Here’s what you need to know:
- Loan Amount: $500 – $1,500
- Term: 10 months
- Interest Rate: As low as 10.25% APR* with auto-debit from your Legacy account or payroll deduction (12.25% APR* for cash payments or auto-debit from another financial institution)
- Availability: October 1, 2024 – January 31, 2025
Ready to apply for a Holiday Loan? Click below and start enjoying a stress-free holiday season.
Legacy Credit Union Holiday Loan Rates
Turn your most festive dreams into reality with affordable financing options. Our competitive rates and terms can fund your holiday fun!
| LOAN TYPE | TERM | APR* |
|---|---|---|
Holiday Loans |
10 Months (with auto-debit from Legacy account or payroll deduction) |
As low as 10.25% |
| 10 Months (with cash payment or auto-debit from another financial institution) |
As low as 12.25% |
Apply for a Holiday Loan in 3 Simple Steps!
Fill Out an Application
Visit a branch or apply for a holiday loan online by clicking the button below to start a loan application.
Choose Your Amount
Select the amount you need up to $1,500 to match your financial situation and goals.
Get Your Funds!
Access your money right away and enjoy several convenient repayment options.
★★★★★
“Great credit union. Excellent customer service and rates are very competitive. Very friendly staff, highly recommend.”
– Krisstophy M., Birmingham, Alabama
FAQs About Credit Union Holiday Loans in Birmingham, Alabama
Holiday Loans can be used for a variety of holiday-related expenses, including gifts, travel, decorations, food, and entertainment.
No, if you have an outstanding balance on a previous Holiday Loan, you must first pay it off to become eligible for a new loan.
The interest rate for a Holiday Loan at Legacy Credit Union is as low as 10.25% APR* with auto-debit from your Legacy account or payroll deduction (12.25% APR* for cash payments or auto-debit from another financial institution).
We’re a not-for-profit credit union. As such, we focus on personalized service, competitive rates, and loan products tailored specifically to our members’ needs. Our credit union personal loans come with flexible terms and local servicing options.
The repayment term for a Legacy Credit Union Holiday Loan is 10 months.
Get the Financing You Need With Legacy Credit Union:
More Savings Options
Share Certificate Accounts
Maximize your savings and earn competitive dividends when you open an account today.
Incentive Savings
Get cash rewards for growing your savings by consistently depositing into your account.
Club Accounts
Open a dedicated account to save for any purpose and earn interest along the way.
*APR = Annual Percentage Rate. Certain restrictions apply. Not all borrowers will qualify. Rate ranges from as low as 10.25% APR. All loans subject to credit approval. Rate and term to be determined based on creditworthiness. The rate will not increase while the plan is open. Credit Union Membership required with a $5.00 minimum deposit. Some restrictions may apply. Rates and terms are subject to change without notice.
**Limited time offer. This promotion extends the time before the first payment is due and interest will continue to accrue. Interest accumulated during the extended “first payment” period will be paid from the first loan payment. Then, normal principal reduction and interest payments will resume.
Payment on a $1,500 loan would be $158.00 per month with a 10-month loan team. This equates to $1,570.81 over the life of the loan. This is based on a 10.25% APR*.