Holiday Loan

Borrow now; make no payments until 2027!

  • Borrow up to $2,500 for the holidays
  • No payments required for the first 90 days*
  • Rates The the row and column could not be found in the table you selected APY*

Holiday Loan Special

Rates: The the row and column could not be found in the table you selected APR*

Borrow up to $2,500 today and make no payments for 90 days.* Easy repayment over a 12-month term.

Benefits of Holiday Loans

  • Enjoy the holidays without financial stress
  • No payments required for the first 90-days*
  • Fixed loan amount helps avoid overspending
  • Fixed term ensures the debt gets paid off by next Christmas
  • Lower interest rates than most credit cards

Our Holiday Loans are designed to give members in Grand Rapids, Lansing, and other parts of Michigan an enjoyable holiday season, without the financial stress. Here's how our Holiday Loans differ from a credit card:

  • Lower interest rates: Adventure Credit Union's Holiday Loan rates start The the row and column could not be found in the table you selected APR*. Compare that to the national average credit card rate at 22.15% APR* 
  • More flexibility: the proceeds from your Holiday Loan will be deposited to your Adventure Credit Union checking or savings account. This means you can shop with your Adventure debit card anywhere MasterCard is accepted or withdraw cash for gifts.
  • Fixed loan repayment: unlike a credit card, our Holiday Loan has a 12-month repayment term. This makes budgeting and paying off debt easier (and potentially faster).

Holiday Loans can be used for a lot more than just buying gifts.

  • Pay for a project. If you have a project or major expense in mind, our Holiday Loan is a great way to finance it. Remember, Holiday Loans are capped at $2,500.
  • Pay off debt. If you have high-interest credit card debt, you may wish to use a Holiday Loan to pay it off.
  • Build credit. Making on-time payments on a Holiday Loan will help you establish credit. Unlike a "share secured loan," our Holiday Loan does not require any collateral.

If you are not yet a member of Adventure Credit Union, you are still welcome to apply for a holiday loan. If your holiday loan application is approved, you will need to join the credit union before your loan can be funded.

Apply for Membership

Have questions for us? Click the "Chat" button between 9am - 5pm, Monday - Friday. Or call/text us at 800.323.2129.

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Frequently Asked Questions

You do not need to have an account or be a member to apply for a loan with the credit union. If your loan is approved, an account will be opened for you as part of the loan process. Ready to start your application? Visit here.

The time to close on a loan can depend on a lot of factors including the type of loan. For more information and a potential timeframe estimate we suggest connecting with one of our lending specialists. Give us a call at 800-323-2129 option 4.

Adventure Credit Union offers several convenient options for making a loan payment - you can make a payment through online banking, by calling us at 800-323-2129 option 6, or by visiting a branch near you! Some fees may apply. Find a location near you.

You can use Adventure's Online Banking site or Mobile Banking App to set up a one time or recurring loan payment from an outside bank or credit union. After logging into your digital banking account, click the "Make Payment" button on your loan. Click the "From Account" option and choose "Add New External Account." From there, follow the prompts to link your external account and create the payment.

Adventure made it very easy with everything done online! So easy and quick. Had the money in our account within a few days.

- Linda D.

Adventure Credit Union is a full-service credit union in Michigan with branches in the Greater Grand Rapids and Lansing areas. All those who live, work, worship or attend school in the State of Michigan are eligible to join.

*Promotional rate of The the row and column could not be found in the table you selected APR is accurate as of 8/14/2026 ,  valid for a limited time, and subject to termination at any time without notice.  Rate is based on creditworthiness.  Not all members will qualify for the lowest rate.  Rate is good for loan amounts up to $2,500 and terms up to 12 months.  No payments required for the first 90 days.  Interest begins to accrue on the date of loan origination.  At the lowest available rate, repayment schedule is 12 monthly payments of $87.45 per $1,000 borrowed.