Our popular holiday loans for members are back! For a limited time, members can borrow up to $1,000 with NO credit check. With interest rates lower than what you’d pay with a credit card, a holiday loan may be the perfect way for you to tackle all the expenses of the holiday season, from travel to gifts and more.
Current members should apply via their online banking account (via “Apply for a Loan” option in your account detail).
*One loan per member. Available for qualified borrowers who have been a member in good standing for at least 6 months. APR = Annual Percentage Rate. APR 15.99%, maximum loan amount $1,000 based on income and term is 12 months. Member must consent to pay $30 non-refundable application fee when applying regardless of approval of the loan. Offer good November 18– December 31, subject to be cancelled at any time. Excludes business accounts. Minimum income $1,500 per month and 6 months on the job. Payment on $1,000 for 12 months will be $91.27. Other restrictions may apply. For new members, rates based on creditworthiness, credit report required.
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Life’s full of surprising opportunities—and sometimes unexpected expenses. 121 Financial offers loans specifically designed for what matters most in your life, be it a dream vacation, a once-in-a-lifetime celebration or taking care of unforeseen medical costs.
*APR = Annual Percentage Rate. APR shown is lowest available rate. Rates determined by creditworthiness criteria.
Borrow only the money you need as you need it and only pay interest on the money you borrow. We offer a revolving personal line of credit so that you are ready for cash shortfalls, needed repairs and any unpredicted expense in between.
Rebuild your credit or purchase a costly necessity without dipping into your savings. A secured loan with us is backed by your 121 Financial savings account so that you can receive a low-rate loan while still earning interest on your savings.