Holiday Helper Loan
Make this holiday season brighter with quick, affordable funding
Our popular Holiday Helper Loan is back and available now through January 9th, 2026! Get the funds you need for holiday shopping, special celebrations, or traveling to see loved ones—without the stress. And with timely payments, members may only pay about $54 in interest. That’s a low cost for financial piece of mind.
Choose Your Amount
Select the loan that fits your holiday budget:
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Perfect for smaller holiday expenses
Approximately $46 per month over 12 months at 9.99% APRTotal interest: Only $27.40 when you make timely payments
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Ideal for bigger celebrations
Approximately $92 per month over 12 months at 9.99% APRTotal interest: Only $54.86 when you make timely payments
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If you need more funds this holiday season, then please contact us to explore other loan products such as a Kwik Cash line-of-credit or Signature loan that may offer higher limits.
With predictable monthly payments that won't stretch your budget too thin, you can enjoy the holidays now and pay comfortably throughout the year.
Simple Process, Quick Results
Applying is easy, and you could get approved the same day:
No credit check required
No employment verification needed
No application fee
Same-day approval possible
Straightforward eligibility requirements
Have a Surge Checking Account? Get instant access to your funds the moment you're approved! Your loan proceeds can be deposited directly into your Surge account, so you can start shopping or booking travel right away.
A Smarter Way to Fund Your Holiday
The Holiday Helper Loan gives you the flexibility to enjoy the season now and repay over time—without breaking your budget. Whether you're buying gifts for loved ones, hosting a special gathering, or planning a holiday trip, you'll have the funding you need with manageable payments that fit your financial plan.
With affordable monthly payments spread over 12 months, you can start the new year with confidence and peace of mind, knowing your holiday expenses are under control.
Peace of Mind Included
As a member-focused credit union, we believe in transparent, straightforward financial solutions. With your Holiday Helper Loan, you'll know exactly what you're paying each month, with no hidden fees or surprises. It's holiday funding you can feel good about.
Eligibility Requirements
To qualify for a Holiday Helper Loan, you must be a member of Public Service Credit Union. Not a member yet? Joining is easy—ask us if you qualify today!
Ready to apply? Get started today and make this your best holiday season yet!
Important Disclosures:
Monthly payment amounts are approximate and for illustrative purposes only. Payment amounts and total interest shown are based on making all scheduled payments on time over the full 12-month term at 9.99% APR. Holiday Helper Loans are available October 15th, 2025 through January 9th, 2026. Members who have previously caused a loss to the credit union or were previously delinquent on a Helper Loan may not be eligible. Credit union membership is required and includes a $25 share deposit for eligible individuals. Terms and conditions apply.