Get Summer Budget Relief

Two Ways to Make Summer Easier

A little extra cash can take you a long way. Borrow up to $3,000 with a Vacation Loan AND take advantage of Vacay Skip-A-Pay on eligible loans to help free up room in your budget!

Whether you’re planning a road trip, family vacation, weekend getaway, or you’re simply preparing for seasonal expenses, we’re here to help. With a Vacation Loan from Element, you’ll get:

Borrow up to

$3,000

Rates as low as

9.99% APR*

A fixed repayment term of

24 Months

Flexible funds to spend like

Cash

Reference offer code VACAY when you apply through August 31, 2026!

Apply for a Vacation Loan

Vacay Skip-A-Pay

Need some extra breathing room in your monthly budget? Eligible members can skip a qualifying loan payment this summer through our Vacay Skip-A-Pay Program. That means more flexibility for:

Summer Travel

Family Activities

Seasonal Expenses

Unexpected Costs

Frequently Asked Questions

How much can I borrow?

Vacation Loans are available up to $3,000 for qualified borrowers.

Can I use both offers?

Yes. Qualified members may apply for a Vacation Loan and also take advantage of Vacay Skip-A-Pay if their loan meets eligibility requirements.

What can I use the loan for?

The funds can be used for vacations, travel, family activities, seasonal expenses, or other personal needs.

When does the promotion end?

Vacation Relief is available now through August 31, 2026.

Ready to Get Started?

Take advantage of Element's Vacation Relief promotion before August 31, 2026.

Reference offer code VACAY when you apply through August 31, 2026!

Apply for a Vacation Loan
Skip a Payment
*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 June 15 – August 31, 2026. Rates subject to change at any time.
**Offer applies to consumer loans only open for 90+ days and excludes mortgage/home equity loans. Loan must be current and in good standing at the credit union. A $30 processing fee per loan is required and must be submitted a minimum of 5 days before the loan due date. Maximum of 8 skip-a-pays per life of loan and cannot be closer than 90 days apart. Skipping a payment will extend the original term of the loan and finance charges will continue to accrue. Skip-a-pay program does not prevent any existing ACH transfers, which will still take place with funds being deposited into the share account affiliated with the loan. Federally insured by NCUA.