It’s the most wonderful time of the year! But, for many, the holiday season comes with a fair amount of stress. From holiday shopping to travel to party planning, there’s a lot to be done from November through December. Unfortunately, many of these activities can come with a sizable price tag.
With panic surrounding the pandemic slowing, 2021 holiday trends are predicting even more spending than usual. According to TransUnion’s 2021 Consumer Holiday Shopping Report, holiday shoppers are planning to spend more money this year than in the past 2 years. Multiple reports have also shown that more Americans have travel plans to spend time with loved ones in-person this year.
Regardless of your plans, the holidays can make many feel stressed about their finances. Reduce your stress with a Holiday Loan or QuickCash Loan from Inspire FCU. Here are just a few of the many benefits you can expect when you apply:
Pay For Your Purchases Over The Next Year
Depending on the size of your family and social circle, the holidays can be very expensive. In fact, Americans spend an average of $500-$1,000 on holiday gifts each year for their loved ones.
Spending such a large chunk of change all at once can put quite a strain on your monthly budget. If you’re concerned about having room left in your budget for rent or mortgage, car payments, groceries, student loans, and other essentials, we have an option for you.
Holiday loans are personal loans designed specifically to help you pay for a variety of expenses for the holiday season. Some of these expenses include:
- Holiday travel
- Parties or other holiday events
- Charitable contributions
Regardless of how you choose to use your holiday loan, you can enjoy contributing to this year’s festivities without dipping into your savings!
Get Cash Fast With A QuickCash Loan
Have some last-minute holiday expenses and need to access cash as fast as possible? Our QuickCash loan is a short-term personal loan designed to provide you with fast cash when you need it the most.
While QuickCash loans are used for emergencies and unexpected expenses year-round, Inspire FCU members can enjoy their benefits during the holiday season as well. These loans are affordable, convenient, and designed to help you avoid the revolving cycle of a payday loan.
Your repayment schedule can be aligned with your payroll schedule, so you’ll know that you have the necessary funds available. Our QuickCash loans are designed to provide you with quick and convenient access to the cash you need to spread cheer over the holidays.
Enjoy Flexible Terms And Competitive Rates
Both our Holiday and QuickCash loans offer flexibility and competitive rates. This way, you don’t need to be concerned about incurring large interest charges when you apply for a loan.
Holiday loan applicants can enjoy terms up to 12 months with rates as low as 5.99% APR*. Only borrow the amount you need up to $2,500 and receive cash at closing for your Christmas loan.
QuickCash loans are similarly convenient with terms up to 3 months and loan amounts up to $750. These loans are offered at an 18.99% fixed APR**, meaning that rates will not change for the duration of your borrowing period.
Automatic payments can be made for both loans from your Inspire FCU checking account. Keep track of how much you’ve paid back and how much you still owe using digital banking or our free mobile app.
Spread More Joy With A Stress-Free Holiday Season
As your local Bucks County credit union, we want you to have a stress-free holiday season. Avoid worrying about how you’re going to pay for all your loved ones’ gifts and holiday plans. Take advantage of our Holiday Loans and QuickCash Loans by applying online today!
*APR = Annual Percentage Rate. Annual Percentage Rate, terms, and conditions of loan are all subject to applicant creditworthiness and credit approval. Rates subject to change without notice. Minimum amount borrowed is $500, maximum amount borrowed is $2,500 up to 12 months. Rate displayed assumes excellent borrower creditworthiness with automatic payment from an Inspire FCU checking account. An active Inspire FCU checking account requires a recurring direct deposit. Applicants without an active Inspire FCU checking account with auto pay are subject to a 0.25% rate increase. Offer ends 12/31/2021.The Credit Union reserves the right to terminate promotion at any time without notice. **APR = Annual Percentage Rate. QuickCash Loans are subject to an 18% APR. Maximum amount to borrower is $750. Loan approval limits are based on loan terms ($250 for 1 month; $500 for 2 months; and, $750 for 3 months). Loan approvals are based on creditworthiness including employment history and status, income, and credit score and having an active checking account with Inspire FCU. Applicants who do not have an active checking account with Inspire FCU (constituting a direct deposit and/or regular payroll deposit) may not be eligible to receive a QuickCash Loan. QuickCash loan is subject to a direct payment from an Inspire FCU checking account aligned with the borrowers payroll cycle (weekly, bi-weekly, monthly payroll deposits). A nonrefundable $20 application fee will be charged and paid from the members Inspire FCU checking account at the time of application. If the checking account does not have the $20 fee available the loan application will be suspended and will not be processed until the $20 is available. Additional underwriting criteria may be required for applications. Rates and terms subject to change at anytime without notice. See credit union representative for additional details.