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Holiday Loans

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kobe2012
Established Contributor

Holiday Loans

Are holiday loans easier to get approved for than regular loans???? 


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: Holiday Loans

What is a holiday loan? I have never heard of that?

Message 2 of 5
KneelBeforeZod
Frequent Contributor

Re: Holiday Loans

Do you mean a holiday loan from a credit union? If so, credit unions tend to provide a level of service for customers that may not be found in traditional banks. I'd recommend talking to someone at your credit union and get more details about their approval process, minimum to borrow, etc...
Current Scores (Dec 20, 2015) - EQ=719 EX=739 TU=740
Message 3 of 5
Josh2942
Established Contributor

Re: Holiday Loans

My CU American Eagle FCU has holiday loans of 4.25 percent apr which is really good. If you have some history with them than it shouldnt be an issue.

Jaguar F-Type R Loan 50K Balance
Goldman Sachs Signature Loan $29,000 TU 750 score pulled at time of loan.
Student Loan Debt $1,500
Credit Card Debt $300 1>% of $166,700
FAKO Transunion 723 Equifax 744
What's in my wallet? Chase Sapphire Reserve, Chase Freedom Unlimited, and AMEX Blue for Business
Message 4 of 5
kobe2012
Established Contributor

Re: Holiday Loans

I have been a member with them for 14 years, have an auto loan as well as personal loan already.. they have a promo of 5.99% interest of up to $2500 .... am just not sure if i can get approved since my util is over 70% right now.... 


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 5 of 5
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