Meet your holiday helper.

The holiday season can be full of cheer — spending time with loved ones, traveling, and sharing gifts. And with an increase in holiday spending, on top of your monthly expenses, can also add a layer of stress to your financial wellness.

A Patelco Holiday Loan gives you quick access to extra funds without racking up high-interest credit card debt or missing out on the festivities.

Happy couple enjoying holiday shopping and festivities.
  • Fixed monthly payments allow for easier budgeting
  • No pre-payment penalties allow for early pay off and interest savings
  • Fixed competitive interest rates as low as 6.99% APR¹
  • Loan amount up to $3,000 and terms up to 3 years

Help keep your holidays fun and financially healthy.


Tips to keep holiday costs low

  1. Try saving for the holidays all year long
  2. Set reasonable expectations with family and friends
  3. Stock up on gifts throughout the year
  4. Give yourself permission to skip some gift exchanges
  5. Use a discount shopping app to find the best deals

¹ APR (Annual Percentage Rate). Loan rates offered effective 10/1/2018 and are subject to credit approval. APRs range based on factors including credit type, loan term, Commitment Household/account relationship and applicant credit worthiness/score. Loan terms are based on various factors, including the amount financed. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Offered rates subject to change. For more information, visit any Patelco branch, our website at or call 800.358.8228. Loan payment example: $30.87 per month per $1,000 borrowed at 6.99% APR for 36 months