The Early Bird Application has Closed. The Regular Application Period will Open Soon!

Apply online or in-person from Nov. 8th (at 12:00a.m.) - Dec. 14th (at 11:59p.m.)
*Loans approved during Regular Application period will be disbursed upon approval.

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*LLCU Holiday Loan Qualifications and Restrictions: Must be LLCU member for a minimum of one year with a $5 membership share. Limit 1 loan per member. (If two there are two members on an account with direct deposit, the loan amounts qualified for can be combined into one loan). All applicants will have a credit report ran to determine approved loan amount. Member must have had Direct Deposit for a minimum of 90 days. Historical direct deposits must be enough to cover amount of new loan payment. Must set up Automatic Payment from the Direct Deposit. Must be in good standing with LLCU (“Good Standing” member is less than 20 days delinquent on loans or checking account has not been overdrawn for 20 days or more.) A $25 processing fee will be charged. Members with Collateral Protection Insurance (CPI) placed on any loans within the last six (6) months DO NOT QUALIFY. Additionally, unemployed members (including those receiving unemployment benefits) or members in active bankruptcy, DO NOT QUALIFY. Fresh Start Loans DO NOT have to be paid off to qualify. If member has a holiday loan balance from previous year, it must be refinanced within this new loan. The refinanced balance will be deducted from the loan amount granted.

**APR – Annual Percentage Rate. Loan APR of 17.92% based on a standard loan rate of 14.75% for a $1,525 loan (includes a $25 processing fee) for a 12-month term. Resulting monthly payment would be $137.46.