No Credit Check Holiday Loan

$500 minimum, $1,500 maximum
10.99% Annual Percentage Rate
12 month maximum with no payments for 60 days.

Qualifications:
Must be a member in good standing with the credit union for a minimum of 1 year. Must not have a 30-day or more delinquency with Thrive in the past 12 months. Must have active relationship with Thrive FCU - share or checking with 5 transactions per month for previous 3 months. Minimum loan amount $500. Amount that may be borrowed tied to members monthly disposable income. Disposable income of at least $1000 is required to borrow maximum amount. Members with less than $1000 in disposable income may qualify for lesser amounts. Interest will continue during if no payment made in first 60 days.

Available from 11/16/2026 - 12/30/2026.

Happy Holidays Loan

$500 minimum, $5,000 maximum
Rates as low as 7.50% Annual Percentage Rate. Terms up to 24 months

Qualifications: Requires full underwriting with credit score. Subject to credit approval. Restrictions may apply.

Available from 11/16/2026 - 1/31/2027.

How to Apply?

In Person - Schedule an appointment with a Thrive loan officer to meet in person.
By Phone - Call one of our Thrive loan officers to start your application over the phone. Or, text HOLIDAY to our Lending Line at 765-289-7001
By email - Email one of our Thrive loan officers to let them know you are interested and they will contact you to begin your application.
- Delaware Branch: Nicole Prose, Heather Barr
- Morrison Branch: Rachael Wallen
- Wheeling Branch: KayCee Knebel, Madison Speikes
- Anderson Branch: Jonathan Curry
Online by clicking Apply Now