Make this holiday season extra special with a Christmas Loan from KCCU. Whether you’re shopping for gifts, planning festive celebrations, or covering end-of-year expenses, we offer affordable financing to help you spread the joy—without the stress. Celebrate with ease and peace of mind this Christmas
| Promotional Period | October– Januar |
| Loan Range | $3,000 – $30,000 |
| Interest Rate | 9.99 % reducing balance (less than 1% per month) |
| Repayment Period | 36 – 60 month |
| Fees | $100.00 (deducted from proceeds) ** |
| Share Requirement |
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Qualifying criteria
- Employment more than 2 years with a permanent position.
- Membership
- Direct Deduction from a reputable company.
Special terms for self-employed members:
- Should have no less than 6 months’ consistent history.
- Self-employed members with existing CASHMAS loans which have been serviced well can top up to a maximum of $10,000.00
- Existing self-employed members borrowing for the first time – maximum loan of $6,000.00
Top-Up Feature
- A TOP-UP feature is available to existing members with any Christmas Loan prior
- These loans are not subject to any repayment waivers
- Loans granted on top-ups should not exceed a full loan value of $30,000.00
- The repayment period should not exceed 48 months