Holiday Loan Special

Unwrap Your Member Discounts

As we head toward the holidays, you may be wondering how you’ll fit the extra expenses into your monthly budget. Or perhaps you’re even thinking ahead to get a jump-start on next year’s financial goals. No matter what you’re planning, a Lanco FCU holiday loan may be able to help!

A personal loan from Lanco FCU can help you…

  • spread holiday purchases into manageable payments
  • pay off high-interest credit cards
  • obtain funds for nearly any other purpose

And during Lanco FCU’s holiday loan special, members can enjoy rates up to 0.50% off for personal loans with terms of 12-24 months!*

Limited Time Only:  Receive a discount of up to 0.50% APR Off*

It’s in our mission to provide affordable financing, so you can always count on Lanco FCU for excellent rates and terms whenever you need to borrow. With a fixed, low rate and terms up to 24 months, you can use a Holiday Loan from Lanco FCU to finance a large purchase or consolidate other debts into one monthly payment. Plus, enjoy 45 days until your first payment.

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Current Personal Loan Rates

Credit Score Personal Loan APR Holiday Loan Discounted Rate*
750+ 7.99% 7.49%
700 – 749 8.99% 8.49%
660 – 699 10.99% 10.49%
620 – 659 14.99% 14.49%
Under 620 16.99% 16.49%

Maximum loan amount varies between $500 and $20,000 based on borrower qualifications. Payment example: A loan at 7.49% APR would require 24 monthly payments of $45.00 per $1,000 borrowed.

Holiday Loan Offer Qualifications

Now through December 30, get an excellent rate on your next personal loan by unwrapping these member discounts!* Terms of up to 24 months are available, with maximum loan amounts determined based on borrower qualifications.

0.25% Off your APR when you have an active Lanco FCU debit card*

A debit card must exist on your account at the time of application, and have been used for at least one purchase within the prior 30 days.

0.25% Off your APR when you set up automatic loan payments*

Automatic loan payments must be set up at the time of your loan closing to receive this discount.

Have questions? Email or call us at (717) 569‑7180 or (888) 318‑4222 to speak with a lender.

Apply for your loan online

Holiday Loan FAQs

What is a holiday loan?

What are the benefits of a holiday loan?

Do I need to be a member of Lanco Federal Credit Union to get a loan?

Can I learn more before applying?

*Offer current as of 11/1/2022 and may be changed or withdrawn at any time. Member can earn a total of 0.50% off their approved APR for a personal loan of 24 months or less by meeting the following criteria: (1) 0.25% rate discount by having a Lanco FCU debit card on their account at time of loan application with at least 1 purchase made within prior 30 days; (2) 0.25% rate discount by setting up a recurring Lanco FCU automatic transfer or payment by ACH origination at the time of loan closing. Advertised APRs reflect 0.50% discount applied to current rate. Rates vary based on borrower qualifications and are subject to change. This offer cannot be combined with other promotional rates or discounts or applied to a refinance of an existing Lanco FCU loan. Payment example: A loan at 7.49% APR would require 24 monthly payments of $45.00 per $1,000 borrowed.