This holiday season, let's do something different. Instead of reaching for a credit card, apply for a holiday loan with MemberFocus.


Quick overview:

  • No payments required until Feb. 2018
  • Interest rate that's less than half the average credit card rate.
  • Fixed loan amounts, so you can't overspend
  • Fixed payment amounts, so there's no surprises.
  • No penalties for extra payments or early pay-off.

Apply Now

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A better way to shop this holiday season:

Credit cards can be a great financial tool; as long as you payoff your balance in-full each month. The trouble is, around the holidays we tend to spend more than normal. For many of us, this means carrying a balance on a high interest credit card.

To avoid the pitfalls of overspending and high interest rates - we're offering a special holiday loan.

Check out these benefits...

1. Delayed payments. No payments required until 2/15/2018.

2. Lower interest rates. Rates start as low as 5.99% APR*. That's less than half the average credit card rate.

3. Fixed loan amount. When you apply for your holiday loan, you will be approved for a set dollar amount. This will stop you from overspending.

4. Fixed payment amount. Holiday loans are repaid in fixed monthly payments. There's no surprises.

5. No pre-payment penalties. Want to make an extra payment? Or pay off your loan early? No problem!

*APR = Annual Percentage Rate.

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Rate Structure:

Holiday loan rates are based on credit score:


*APR = Annual Percentage Rate.

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Payment example:

Holiday Loan Example:

Loan amount: $2,000

Term: 12 months
Interest rate: 5.99% APR*
Monthly payment: $172.12
Total interest paid: $65.48


Credit Card Example:

Card balance: $2,000
Time to repay: 12 months
Avg. interest rate: 16.15% APR*
Monthly payment: $181.60
Total interest paid: $179.25


*APR = Annual Percentage Rate. National average credit card interest rate is 16.15% as of 10/11/2017. Source: creditcards.com

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