Fast Response
Once we receive your application, we’ll contact you promptly to get everything finalized.
Get the financing you need for the holiday season.
From gift shopping and travel plans to hosting family gatherings, holiday expenses can add up quickly. A Holiday Loan from Hughes helps you manage seasonal costs with predictable monthly payments, a clear repayment schedule, and funds you can use right away.
Borrow what you need
A Hughes Holiday Loan is flexible, so you can borrow $1,000 - $10,000** and use the funds where you need them most, including:
- Holiday shopping and gifts
- Seasonal travel and celebrations
- Debt consolidation
- Home improvement projects
- Emergency expenses, such as car repairs or medical bills
How it works
- Apply online or at any Hughes branch
- Get approved for your loan
- Make fixed monthly payments
- Use funds for your immediate needs
Common questions about the Hughes Holiday Loan
Can I use a Holiday Loan for a vacation?
Yes. A Holiday Loan from Hughes can cover flights, hotels, gas, activities, and other travel-related costs.
Can I use a Holiday Loan for gifts?
Yes. You can use a Holiday Loan from Hughes to cover any seasonal expenses.
Can I use a Holiday Loan to pay bills?
Yes. You can use a Holiday Loan to consolidate multiple bills into one fixed monthly payment.
Can I use a Holiday Loan for emergencies?
Yes. You can use it to cover expenses such as car maintenance, medical bills, or unexpected home repairs.
Can I use a Holiday Loan for home renovations?
You can use your loan for any home improvement projects, such as a pool, deck, a bathroom remodel, upgraded appliances, or a fresh coat of paint.
How do I apply for a Holiday Loan?
Apply now through January 31, 2027, and have the flexibility to manage holiday expenses on your terms.
Application Deadline: January 31, 2027
Rates
As low as 9.75% APR*
Fixed Rate (Up to 48 Months)
Features & Benefits
- Apply online or at any Hughes branch
- Fixed rates as low as - 9.75% APR*
- Borrow from $1,000 to $10,000**
- Terms up to four years**
Flexible Terms
Up to four years.
Easy Application Process
Apply online in minutes from wherever you are.Disclosures
Effective Date: 10-01-2026
*APR = Annual Percentage Rate. The maximum APR, for any type of loan, shall not exceed the limit set by applicable law(s). The loan rate will be the rate in effect when the loan is completed. Advertised “as low as” annual percentage rates assume excellent borrower credit history. Your rate and/or term may vary depending on credit qualifications, amount financed, and other factors. The lowest rate shown is for well-qualified borrowers. All loans are subject to final credit approval.
Rates and terms are subject to change at any time. Please contact a Credit Union employee for further information.
Loan Payment Example: A loan amount of $5,000 for 36 months at 9.75% fixed APR will have a monthly payment of $160.75.
**Certain restrictions apply. Terms up to four years. All loans are subject to approval. Only one per member open at a time as borrower and/or co-borrower. Contact Hughes Federal Credit Union for additional information.