Christmas Loans

Plan ahead for the holidays with an affordable Christmas Loan from MHFCU. Whether you're shopping for gifts, traveling to see family, or covering seasonal expenses, we're here to help make the holidays a little brighter.

Apply Beginning Oct. 1 Contact Us

Celebrate the Season Without the Stress

The holidays should be about spending time with family - not worrying about finances. MHFCU's Christmas Loan provides an affordable way to spread out holiday expenses while helping you stay within your budget.

Apply Beginning October 1st

Applications open each year on October 1, giving members plenty of time to prepare for the holiday season.

Borrow Based on Membership

Loan amounts are determined by your membership history with MHFCU, rewarding long-term membership.

Affordable Holiday Financing

Enjoy a simple way to cover gifts, travel, decorations, and other seasonal expenses without relying on high-interest credit cards.

Before You Apply

Please review the following eligibility requirements before submitting your application.

Applications open October 1 each year.
Must meet MHFCU membership eligibility requirements.
Loan amount is based on membership history.
Subject to credit approval.
Additional terms and conditions may apply.

Available Loan Amounts

Loan Amount	Eligibility
$500	Joined between 7/1/2023 – 6/30/25 or First-time borrower*
$1,000	Joined between 7/1/21 – 6/30/23
$1,500	Joined before 7/1/21

Important Information

• First-time borrower is anyone who has not had a loan with MHFCU during 2022 - 2025.

Seasonal benefit

Need Extra Holiday Flexibility?

Already have an MHFCU loan? Eligible members may be able to skip a qualifying loan payment through our Skip-A-Pay program. Contact MHFCU to learn whether your loan qualifies and review the program requirements.

✓ Available for eligible MHFCU loans.
✓ Create additional room in your holiday budget.
✓ Subject to program eligibility.

Learn About Skip-A-Pay