Holiday Expenses? ‘Snow Problem.

Travel costs. Maybe a house full of people. Gifts. Groceries. Unexpected expenses that apparently did not get the memo about your holiday budget.

The holidays can get expensive quickly, and putting every extra purchase on a credit card can mean carrying those costs long after the decorations come down (depending on how long you leave your tree up). Element Federal Credit Union’s holiday loan gives West Virginia residents another option. Borrow $3,000 at 9.99% APR* for 24 months and give yourself some wiggle room for the season ahead.

Apply for a Holiday Loan

A Loan for What the Season Brings

Maybe you’re traveling across West Virginia or across the country to see family. Maybe everyone is coming to your place this year. Maybe your shopping list is longer than expected, or the car decides December is an excellent time to need a repair.

Use it for holiday travel, gifts, hosting expenses, seasonal bills, an unexpected expense, or a combination of everything that landed on your list.

Borrow a set $3,000 with a 24-month term, giving you a clear repayment schedule instead of simply adding more purchases to a revolving credit card balance.

This limited time promotional rate is 9.99% APR* when you set up automatic ACH/AFT payments or 10.49% APR* without automatic payments.

This offer is available October 1 through November 30, 2026, so you can get the funds in place before the busiest part of the season arrives.

Keep the Holidays Merry.

Element is a local West Virginia credit union, which means when you need a loan, there are real people here to help you through it. No need to turn holiday expenses into something bigger than they need to be.

Apply online for your Element holiday loan and get back to the good stuff. The road trips. The full house. The ridiculous amount of food. The people you’re doing all of this for.

Holiday Expenses? ‘Snow Problem.

Apply for a Holiday Loan
*APR = Annual Percentage Rate. Rates based on creditworthiness and other factors and are subject to change or end at any time. Rate as low as 9.99% APR based on ACH/AFT payment of loan; rates as low as 10.49% APR without ACH/AFT payment. You may not qualify for the lowest rate. See credit union for qualifying rate. $49 processing fee applies. All loans subject to approval. Offer may not be combined with any other offer and applies to new credit union loans only. Promotion valid October 1 – November 30, 2026. Rates subject to change at any time. Membership eligibility required. Federally insured by the NCUA.