Do you need Rudolph's nose to find the extra room in the budget this holiday season? Maybe skipping a payment on a consumer loan or getting a Holiday Helper Loan is just what you need to get you in the holiday spirit. We all know that the holidays can be a hard time financially, with the extra cost of gifts, elaborate meals, and travel is thrown in on top of everyday expenses. RMCU is offering two ways for you to get through the holiday season a little easier, and hopefully, with a little something extra in your pocket. Holiday loans and skip-a-pay give you a leg up on the season. Here's what you need to know about finding some extra money for the holidays.

Skip-A-Pay

Thanksgiving, Christmas, Chanukah, New Year's, Aunt Mollie's dog's birthday; we all have some additional spending needs come holiday season. Here is RMCU's simple solution: Skip-A-Pay. It is just like it sounds; the chance to skip a loan payment and put some cash back in your pocket over the holidays. This is ideal if you have an auto, ATV, boat, motorcycle, motorhome, share certificate, or signature loan with RMCU.

Upon approval, designate the loan you want to focus on and skip your payment that month. This offer is available in November, December, and January, and your loan terms stay the same – though it does push your loan maturity date back a month. It's a lot like having Santa come down the chimney and leaving a shiny new car under the Christmas tree. With a few clicks, you can say goodbye to holiday money stress.

Sound good? All that's left for you to do is to enjoy some freedom in your budget. It doesn't take Christmas magic to have some financial wiggle room for the holidays. You won't find that kind of offering from just any financial institution – that's one of the many benefits that come with being a member of a credit union. RMCU is pretty unique, because we do the same thing for summer, too. With kids out of school, we know that it can be a stressful time for many families that need to find childcare. Being a part of the community behind a credit union means you get the support of people who are really in your neighborhood.

Holiday Helper Loan

Budget tighter than Santa's belt? Get some relief from an RMCU Holiday Helper Loan. Americans spend an average of $1,007 on the holiday season, with healthy amounts of that going to gifts for family, food and treats for the festivities, and holiday decor. That extra chunk can mean hardship for many families, and you don't want to have an unexpected emergency completely derail the fun – and your New Year's financial resolutions. 

The holiday loan program gives you a simple leg up into the holidays, with loan amounts of $1,000, $2,000, or $3,000, and an entire year to pay it back. You're looking at a 7.99% APR, so it's a great alternative to carrying a bigger credit card balance that would have much higher interest. For the times when saving up throughout the year or buying budget-conscious gifts just isn't an option, a holiday loan is there. Once your expenses have gone down again, you can pay off the loan in manageable chunks that won't put a strain on your family. 

So get your ski pass or hit the slopes with some brand new gear. Make sure you have the extra room in the budget for holiday feasting. Whatever the need this season, we have ways to make the holidays merry and bright. Which holiday option is on your Christmas list this year? Whether it's skip-a-pay or a holiday loan from RMCU, your holiday season just got a whole lot jollier. 

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