Is a Santa Loan!

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  • Low fixed rates – lower than most credit cards from just 12% APR*!
  • No fees!
  • No collateral required
  • 12-month term

Santa may be on his way – but the Santa Loan is already back at EFCU by popular demand!

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This loan gives you the holiday cash you need for a fantastically fun, festive season.


Your Best Way To Finance the Holidays

With a rate as low as 12% APR*, the Santa Loan is a more affordable, smarter financing solution for all your holiday expenses, including:

  • Gifts and food for entertaining
  • Holiday décor and sprucing up the home
  • Travel to see family
  • Even consolidating higher-interest credit card debt
Get Started

Get Started


This limited-time offer expires on December 24, so now is the time to apply for your Santa Loan!

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*All loans are subject credit approval. To obtain an Elko Federal Credit Union (EFCU) loan, you must have or open an EFCU membership and maintain a minimum savings account balance of $25. To qualify for this offer, application must be received by December 24, 2023 and close no later than January 15, 2024. Federally Insured by NCUA.

Need assistance? Call us at 775.738.4083 and we’ll be happy to help.