Holiday Solutions

Need some extra money for the holidays this year? PCCU is ready to help make the holiday season shine just a bit brighter this year with several options.

Our Holiday Helper Loan is a great choice! You can borrow up to $1,500 for only 7.99% APR, and take up to one full year to pay it off. Plus, it’s flexible and can be tailored to meet your needs with a low $300 minimum.


If you already have a loan with PCCU and you don’t want to borrow new money, you might consider our Skip-A-Pay program. If you qualify, you can pay a $25 fee per loan and “Skip” a payment for a month. That payment is added on to the end of the loan and will extend its life, but it also frees up some cash you can use to make Christmas, Hanukkah, or any holiday you celebrate merry and bright without putting it on your credit card. Ask a loan officer if your loan is eligible for a “Skip” this holiday season!

If neither of these is the right fit for your budget, we also make 30-Day loans that are great for short-term needs. Members can borrow as little as $50 or up to $600 in $50 increments, depending on income. You then have thirty days to pay it back, along with a fee of $3 per $100 borrowed. You can learn more here.

Want to get a jump on preparing for next year? Set up a Christmas Club account to start saving for the 2021 holiday season. We can help you set up your direct deposit to have a portion go directly into your Christmas Club every pay period. It will take the worry and hassle out of next Christmas. You can also use our Ultimate Saver program to help you automatically transfer the rounded up change on your debit card purchases over to your Christmas Club.