Skip the Stress this Holiday Season
The holidays should bring joy, not debt. With Bay Federal’s Holiday Loan—a special low-rate personal loan—you can cover gift shopping, travel, and seasonal expenses without turning to high-interest credit cards or risky “buy now, pay later” plans.
A smarter, more responsible way to fund your holiday:
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Rates as low as 6.99% APR*
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12-month term for simple, predictable payments
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Minimum loan amounts starting at just $1,000
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Fast, easy approval
Enjoy the season with confidence, knowing you’re making a sound financial choice with a trusted local partner.
It's easy to get started! Apply through BayFedOnline or the BayFed Mobile app for a streamlined experience!
*Special low rate for personal loans for a limited time only. The promotional rate is not available for current Bay Federal Credit Union personal loans. Minimum loan amount is $1,000. Only available for a 12-month term. Rates and conditions vary based on creditworthiness and qualifications. The loan must be funded between November 3, 2025, and January 31, 2026, to qualify for the special low rate. This offer is subject to change without notice.
Payment example: Loan amount of $2,000 at 8.99% Annual Percentage Rate (APR) for 12 months would have monthly payments of $174.89
All loans are subject to credit approval, income verification, and valid Social Security Number or ITIN per Bay Federal Credit Union lending requirements. Bay Federal Credit Union membership is required at the time of funding. Other terms and conditions may apply. For more information, visit any Bay Federal Credit Union branch or call us at 831.479.6000 or 888.4BAYFED.