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Christmas Loans

Need More DoughCHRISTMAS LOANS, a yearly tradition at TrailNorth, lets you borrow a small amount of money for whatever expenses you incur during the season without paying the high interest rates of many credit cards.

Enjoy Low-Interest Rates, as low as 2.99%APR* and NO PAYMENT until January 31, 2022. PLUS, one member will get their Christmas loan paid off by TrailNorth!^


  Tier APR*
  Platinum  2.99%
  Gold 3.49%
  Silver 4.49%
  Bronze Plus 5.99%
  Bronze 8.49%
  Re-Builder 11.74%

*APR equals Annual Percentage Rate. The Christmas loan product is a twelve-month installment loan. Subject to credit qualification. Rates may vary based on individual creditworthiness. All loans are subject to approval. 

^Loan Payoff offer is effective 10/1/21 - 12/24/21. Maximum amount of prize = $2,500. A Christmas loan with a balance greater than $2500 will have $2500 applied to the principal balance and the original monthly payment and interest rate will remain in effect. In order to be eligible for this loan pay-off offer, the winner must consent to use of his/her name, town and state of residence, photo, likeness or comments for publicity purposes in any media for advertising and other purposes, in any manner, without limitation. Visit

If you would prefer to have a loan officer contact you, provide your information below and they will reach out to you within the next business day.  

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