Ardent Holiday Loan

Bring holiday cheer without budget fear


The average shopper plans to spend more than $1,7781 this holiday season. But there’s no reason spreading cheer should result in financial woes in the new year. Instead, spend sensibly this season with a Holiday Loan from Ardent.

Build your holiday spending into your monthly budget with the Holiday Loan’s automatic payments and a manageable 9.99% Annual Percentage Rate2. Enjoy the convenience of fixed monthly payments and a budget cap on your holiday spending.

Apply for your Holiday Loan by December 20, 2024—It’s easy and fast! Just choose the Personal Loan product and select Holiday as your loan purpose.


Apply Now



Want to learn more about our Holiday Loan?

Holiday Loan Details:

  • Borrow between $500 - $3,500
  • Fixed interest rate means predictable, low payments
  • Flexible term options up to 12 months - pick your payment date & frequency
  • Quick decisions and access to funds
  • Unsecured - No collateral needed to secure your funds

Use our handy holiday shopping calculator below to see how much money you’ll need this season, what your loan payment might be and how much you could save compared to using a credit card.

 

How much could you save?

You'll spend $800 on the holidays this year. We'll make it easy to pay back over the next 12 months!

Estimated Weekly Payment3:
$16.19

Estimated Bi-weekly Payment3:
$32.40

Estimated Monthly Payment3:
$70.33

Estimated Semi-monthly Payment3:
$35.10

Best of all, you'll save $61.96 in interest versus using a credit card with a rate of 23.15% APR!4

Ready to apply? We'll make it easy. When applying online, choose the Personal Loan product and select Holiday as your loan purpose.

Apply Online Now!
Happy Holidays from your friends at Ardent!

1Average household spending from the 2024 Deloitte Holiday Retail Survey.

2APR=Annual Percentage Rate. 9.99% APR is a fixed rate. Estimated payment per $1,000 based on 9.99% APR for 12 months is $87.92/month or $21.54/per week. To qualify, you must be an Ardent member for a minimum of six months with direct deposit into an active Ardent checking or savings account. Automatic payment from an Ardent account is required.  Loan proceeds may not be used to refinance an existing loan with Ardent. Lending decisions are based on a number of factors, including but not limited to the applicant's creditworthiness, employment, income, and loan repayment history. Additional restrictions may apply. This is a limited-time promotion. Upon approval, loan proceeds will be deposited into the applicant's Ardent account. Applications approved for this special holiday loan promotion are final and may not be subject to refinance at any time after the promotion ends on December 20, 2024. Maximum of one Holiday Loan per member.

3Calculations shown and provided are for informational use only.

4Saving comparison based on the average rate for new credit card offers reported in WalletHub’s Credit Card Landscape Report for October 28, 2024.