The average holiday shopper spends more than $1,3001 on gifts, decorations, greeting cards and more! As a result, our holiday spirit can propel us into the new year strapped for cash or in debt.

You don’t need to say “bah humbug” come January with your budget out of whack. Instead, consider a Holiday Loan and borrow up to $2,500 at 4.99% APR!2 With automatic payments and a low interest rate, you can make your holiday spending part of your monthly budget. Then, enjoy the holiday season knowing you have a plan to pay for it.
Want to see how much you can save by choosing a Holiday Loan instead of your credit card? Use our holiday budget calculator to figure out how much you’ll spend and your estimated Holiday Loan payments.3


You'll spend $XXXX on the holidays this year. We can loan you up to $2,500 to spend on the holidays this year. We'll make it easy to pay back over the next 12 months!

Weekly Payment:

Bi-weekly Payment:

Monthly Payment:

Semi-monthly Payment:

Best of all, you'll save $XX in interest versus using a credit card with a rate of 17.98% 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 2020 Deloitte Holiday Retail Survey.
2APR = Annual Percentage Rate. 4.99% APR is a fixed rate. To qualify, you must be an Ardent member for a minimum of six months with an active checking account. Automatic loan payment deduction from an Ardent account is required. Actual payments may vary slightly based on borrower’s payroll cycle. Estimated payment per $1,000 based on 4.99% APR for 12 months is $85.77/month or $19.83/per week. 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, online-only promotion. Upon approval, loan proceeds will be deposited to the applicant's Ardent checking 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 21, 2020.
3Calculations shown and provided are for informational use only.
4Saving comparison based on average credit card rate from WalletHub’s Credit Card Landscape Report.