Holiday Loan
Choose your holiday loan.
Available November 1 – December 31, 2026
Holiday Loan
$1,200
12-month term
12% APR*
No direct deposit required.
Holiday Loan
$1,500
12-month term
12% APR*
Requires direct deposit into AHCU checking
and automatic loan payments.
Before you apply
Both loan options require:
AHCU membership in good standing for at least 90 days.
At least 1 year of employment.
Credit score of at least 600.
Additional Requirements
– No outstanding judgments, charge-off, repossessions, government claims, foreclosures, or tax liens.
– Any bankruptcy must be discharged.
– You cannot be enrolled in a debt management service.
– Previous Credit Builder and Holiday Loan must be paid in full.
Ready for a brighter holiday?
APR = Annual Percentage Rate. Holiday Loan offer available November 1–December 31, 2026. Both loan options have a 12-month term at 12% APR. Subject to credit approval and eligibility requirements listed above.