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Ardent Holiday Loan

Bring holiday cheer without budget fear

Did you know the average holiday shopper spends more than $1,4001 on gifts, decorations, greeting cards and more? Getting into the seasonal spirit shouldn’t leave us strapped for cash by the new year.

Spend sensibly this season with a Holiday Loan from Ardent.

With our Holiday Loan’s automatic payments and 4.99% APR2, your holiday spending can easily be built into your monthly budget. Apply for your loan by December 22, 2021 and then kick back, relax and enjoy the holiday season knowing you have a plan for pay for it all.

Use our handy holiday shopping calculator3 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.


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Want to learn more about our Holiday Loan?

Holiday Loan Details:

  • Borrow between $500 - $2,500
  • 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

Ready to apply? It’s easy to do online.  Just choose the Personal Loan product and select Holiday as your loan purpose.

How much could you save?

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 18.24% 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 2021 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 or a savings account with direct deposit.. 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. 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 22, 2021.
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 21, 2021.