Keep Holiday Spending Under Control with a Personal Loan

Personal loan rates as low as 3.99% APR*

Shop responsibly this year with a Holiday Loan from Visions. The amount and term are yours to choose and the money is yours to use – without the threat of unmanageable debt. Set your budget and stick to it with the advantage of a low APR and predictable payments that you can take care of faster.

The holidays are a time to celebrate and appreciate family and friends. We tend to do that with gifts and, unfortunately, we tend to over-spend. Store credit cards may be easy to get (and use), but there are other solutions. Solutions like personal loans.

Apply Now
Click Apply Now and select "Holiday Loan" from the "Select a Loan Type..." dropdown menu to take advantage of this Visions' Holiday Loan offer.


6 Benefits of a Holiday Loan


Lower APR

Retailers use low or no APR introductory rates and even offer a discount when you sign up for a store card. This could easily lead to regret when those promotional offers run out and you’re stuck with a double-digit interest rate – currently around 25% on average. The Visions Holiday Loan, though, has rates as low as 3.99% APR*.

Predictable Monthly Payments

Unlike the balance of a credit card – prone to ballooning during the holiday season – your minimum payment won’t change over the life of a personal loan. Essentially, you know exactly what you’re in for when the first bill arrives.

Establish a Budget

You know who’s on your gift list and how much you’d like to spend. Set the limit up front by taking out that amount as a personal loan. This way you won’t be tempted to test the store credit card limit that may be well beyond your means.


Stay on Budget

You’ll be less likely to make impulse purchases (i.e. gifts for yourself) with this defined balance. Think of a personal loan as a kind of insurance against over-spending. And since you won’t be racking up debt, you won’t need to worry about the holiday shopping hangover come January when the first bills are due.

Faster Payoff

You choose the term when you take out the loan, so you’ll have a defined schedule of repayment. If you’re only making minimum payments, credit card balances tend to linger for the new year and even years to come.

Think Ahead

Those who fall prey to promotional offers from retailers may open numerous lines of credit to get through the holidays. Get ahead of the game and avoid taking out a personal loan somewhere down the line to consolidate multiple cards.

So, wait before you submit that credit card application or even head to the store for holiday shopping and consider all your options. With a personal loan, you can actually establish a budget within your means and have the cash on hand to get through the holiday shopping season!

And, if you’re looking for a bigger ticket item this holiday, you can keep extra costs in check with Visions’ limited-time auto loans with APRs as low as 2.75%**.

Apply Now
Click Apply Now and select "Holiday Loan" from the "Select a Loan Type..." dropdown menu to take advantage of this Visions' Holiday Loan offer.

The Fine Print

Visions Federal Credit Union

You are leaving the Visions Federal Credit Union web site. The privacy and security policies of the external link may differ from Visions Federal Credit Union. Visions Federal Credit Union does not own or control external links and is not responsible for the availability or accuracy of their content.

Visions Federal Credit Union

Log in here with your Online Banking ID:

Online Enrollment

Forgot Password