Have a happier holidays with a lower interest rate than most credit cards.
Stretch your budget this winter season with terms available from 1–5 years.
The Holiday Loan Special offers a special low rate with a 12-month term and is available for a limited time only. Must apply November 24 — January 31, 2026.
Holiday Loan Special Rates as low as 4.25% APR* with a 12-month Term
Apply today for quick or instant approval.
| Term | APR (Rates as low as) | Monthly Payment per $1,000 |
|---|---|---|
| 1 Year (12 months)** | 4.25% | $85.39 |
| 3 Year (36 month) | 7.24% | $30.99 |
| 5 Year (60 month) | 9.24% | $20.88 |
| Minimum Loan Amount = $500 | Maximum Loan Amount = $30,000 The disclosed rates reflect a .25% discount for automatic payment from payroll deduction or direct transfer from a TCT account. | ||
| **This loan special is available for a limited time, must apply November 24, 2025 — January 31, 2026. | ||
*Annual Percentage Rate (APR) for this loan special is as low as 4.25% APR for up to a 12-month term and includes a 0.25% APR discount for automatic payment through a TCT checking account or payroll deduction. Your rate may vary based on individual creditworthiness. A sample payment based on the disclosed rate of 4.25% APR for a 12-month term, the monthly principal and interest payment would be $85.39 per $1,000 financed. This loan special is available for a limited time, must apply November 24 — January 31, 2026.
Holiday Savings Related Resources
Download the Holiday Budget Worksheet
VISA® Platinum Credit Card
Not all cards are created equal. We think ours is pretty great, and we think you will too. No Annual fee, No Balance Transfer fee, Cashback Rewards, and fixed low rates.
Skip-A-Payment
Free up more cash this season by requesting to skip your eligible loan payment in November or December!
Restrictions apply. Must submit a Request to Skip form before your payment is due.
