Just in time for the holidays our special holiday loan program is back, featuring an exclusive rate celebrating our 70th anniversary. Full details below.

‍Term: 10 months

Interest Rate: 7.70%

Loan amount: $500 - $1,500.

Promotional Period: October 1, 2025 through January 30, 2026

‍

CLICK HERE TO APPLY

‍

NOTE: ANY OUTSTANDING HOLIDAY LOANS MUST BE PAID IN FULL BEFORE APPLYING FOR A NEW HOLIDAY LOAN. CONTACT CENTRALIZED LENDING WITH ANY QUESTIONS.

Terms from 1 to 60 months. ("Terms up to 60 months" is prohibited.)

**APR = Annual Percentage Rate. Rate range from as low as 7.70% APR up to 18% maximum APR. As low as rate includes a .25% discount for members with automatic payments from a credit union account. All loans subject to credit approval. Rate and term to be determined based on creditworthiness. The rate will not increase while the plan is open. Refinancing of existing credit union loans do not qualify. Cannot be combined with any other offer. Credit Union Membership required with a $25 minimum deposit and $1.00 membership fee. Some restrictions may apply. Rates and terms are subject to change.

The payment on a $10,000 loan would be $196.80 per month by using the $19.68 per $1000 at a non-variable interest rate of 6.75% APR with a 60 month term. This equates to $11,808.00 over the life of the loan. Membership required with a $25 minimum deposit and $1.00 membership fee.