Special Rates as low as 6.99% APR*.

Get More Joy In Saving

Tis the season to enjoy great low-rates on personal holiday loans at Arbor Financial. With special rates as low as 6.99% APR*, and with no payments for 60 days, you can enjoy the holidays before your first payment is made.

Get More Joy In Giving

Spread the joy! When you get a holiday loan from Arbor Financial, you will be automatically entered to win $150 for yourself and $150 for a classroom or charity of your choice!**

Apply Now

Santa's leaving a little extra under the tree this year.

Our Holiday Loan can help you take care of shopping for family and friends, or even travel plans, early, so you aren't left stressed. The only worry you'll have? Making sure there's enough cookies left for Santa's visit! Let Arbor Financial's low rates and generous repayment terms give you more joy in giving this holiday season.

Arbor Financial's Holiday Loan takes the financial stress out of the season:

  • Low rates save you money.
  • No payment for 60 days.
  • 84 month term.
  • Apply by phone 24/7 at 269.488.5945 (KWIK) and get an answer within minutes.
  • Skip Pay options allows you the option of not making up to two months of loan payments each year.
Even after the holidays are over, you'll want to make sure you maintain your financial wellness. Arbor Financial offers a full range of financial solutions. If you open a checking account with us, you'll get free access to more than 37,000 ATMs throughout Michigan and across the nation, plus fee-free access to eBanking, Mobile Banking, Web Bill Pay, and more. It's easy to open your account online or switch your account to become an Arbor Financial member.
*Annual Percentage Rate (APR). The rate you receive will be determined by your credit score at the time of application and the term of your loan. Loan subject to credit approval. Qualifying borrowers may be eligible to defer their first payment for up to 60 days, dependent upon credit score and when the loan closes. Interest accrues from date of loan disbursement.

**The drawing is open to all legal Michigan residents 18 years or older. No purchase necessary. Promotional period Nov 1, 2019 – Jan 31, 2020. For official rules, click here.

"I love Arbor! I love that when I come through the drive-thru, I am always greeted warmly and friendly! The people you have chosen to work there are exemplary. I love the ease of my banking online, as well as at my local office. You’re involved in our community and offer so much. Great job!" Joy B. Read More Member Stories