Holiday Loans

Borrow now; make no payments until 2024!

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  • Low Interest Rates
    Low Interest Rates

    Take advantage of rates as low as 9.99% APR*

  • Shop Now, Pay Later
    Shop Now, Pay Later

    No loan payments required for 90-days

  • Variety of Uses
    Variety of Uses

    Cover holiday expenses, or
    whatever you need most

Holiday Loan Special
Rates as low as:

9.99% APR*

Borrow up to $2,500 today,
and make no payments for 90 days.

Easy repayment over a 12-month term.

*Promotional rate of 9.99% APR is accurate as of 10/16/2023, 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 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 $87.91 per $1,000 borrowed.

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Holiday Loans have long been popular with Adventure Credit Union members, and for good reason! 

Let's face it, the holiday season can be expensive.  Our Holiday Loans are designed to help you enjoy the holiday season in Grand Rapids or Lansing, Michigan without any financial stress.  Here's how we do it:

  • Allow you to borrow up to $2,500 now
  • Require no payments from you for the first 90-days
  • Offer interest rates significantly lower than most credit cards; as low as 9.99% APR*
  • Make repayment easy with a 12-month term

Have questions for us?  Click the "Chat with Us!" button between 9am - 5pm, Monday - Friday.

Holiday Loans have a few key benefits over a credit card:

  • Lower interest rates: Adventure Credit Union's Holiday Loan rates start as low as 9.99% APR*.  Compare that to the national average credit card rate at 21.07% APR* (source:
  • 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).

Our Holiday Loan was designed to help Michigan members enjoy the holiday season without any financial stress.  However, our Holiday Loan can be used for a lot more than just buying gifts.

Alternative uses for a Holiday Loan:

  • 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 disbursed.  Don't worry, we'll walk you through the process, and it only requires a $5 deposit to your new share account.

Adventure Credit Union is open to anyone who lives, works, worships, or attends school in the following counties: Allegan, Barry, Clinton, Eaton, Ingham, Kent, Livingston, Newaygo, Ottawa, and Shiawassee.

Have questions for us?  Click the "Chat with Us!" button between 9am - 5pm, Monday - Friday.  Or call us after-hours at 800.323.2129.

Who is Adventure Credit Union?

Simply put, we're like a bank but better!  Like a bank, we offer financial services: loans, mortgages, savings accounts, checking accounts, and more.  Unlike a bank, we're a not-for-profit organization owned by our members.  This means, we work in the best interest of our members (i.e., accountholders) rather than investors.  Our non-profit status allows us offer low interest rates on our Holiday Loans and keep our account fees to the bare minimum.  When you open a share account with Adventure Credit Union, you'll never be charged a minimum balance fee or an account maintenance fee.


How do I join?

If you are seeking a holiday loan, we suggest following these steps.

  1. Apply for your holiday loan
  2. Wait for us to respond via email
  3. We'll walk you through opening your new membership

Even if your holiday loan application is denied, you're still welcome to apply for membership at Adventure Credit Union.

Apply Now

Remember, non-members are welcome to apply for a Holiday Loan before joining the credit union!