Lighten Your Holiday Load

How Velocity’s Holiday Loans Can Work for You

The holiday season often brings joy … and expenses. Between gifts, travel, parties, and year-end surprises, your credit cards can quickly become overwhelmed. That’s where Velocity Credit Union’s Holiday Loans come in — smart, affordable financing designed for the season.

What Is a Velocity Holiday Loan?

Velocity offers a dedicated Holiday Loan to help members manage the extra spending that comes with year-end. Instead of racking up high-interest credit card debt, you can tap into a fixed-rate personal loan with competitive terms.

Right now, rates for these loans start as low as 8.74% APR (with Member Rewards).

Why It’s a Smart Move

1. Avoid High-Interest Credit Card Debt
   One of the biggest burdens of holiday spending is carrying balances on credit cards, which often come with steep interest. With a Holiday Loan, you’re choosing a lower, fixed rate instead.
2. More Predictable Payments
   Since the loan is set up with a fixed rate, you know what your monthly payments will be. This helps you budget better — no more guessing how long it’ll take to pay off your holiday spending.
3. Flexibility for Real Life
   Whether you’re buying gifts, covering travel, or simply want some extra breathing room, Holiday Loans give you cash when you need it. They’re a way to “spread out the costs” of the season.
4. Stress-Free Spending
   With a financial burden more manageable, you can focus on what matters: celebrating with friends and family — not worrying about bills piling up.

How to Put It to Work for You

Here are a few practical strategies to make the most of a Holiday Loan:

• Use It to Consolidate Balances
  If you’ve already charged a lot on holiday credit cards, take out a Holiday Loan to pay off those cards in one go. This way, your debt lives in one place — at a lower rate — instead of bouncing around multiple high-interest accounts.
• Plan Ahead, Apply Early
  Holiday Loans are available for a limited time (through Jan. 31, per Velocity’s site). Applying early means you can lock in a good rate and have cash ready when the big expenses hit.
• Budget Wisely
  Decide how much you realistically need (gifts, travel, decor, etc.). Borrow only what makes sense, then create a repayment plan. Because the payments are fixed, it’s easier to map out your budget.
• Combine with Other Tools
  If you already use Velocity’s personal loans or lines of credit, think about how a Holiday Loan fits into your overall strategy. Use the Holiday Loan for predictable, seasonal spending — and rely on more flexible options for unexpected expenses.

Bottom Line

Velocity’s Holiday Loan isn’t just a way to borrow more — it’s a tool that gives you financial control during one of the most stressful spending seasons. By choosing a Holiday Loan, you’re investing in peace of mind: stable payments, lower rates than credit cards, and the freedom to enjoy your holidays without the long-term hangover.