Members Only: Santa Loan

This Season, Saint Gnick Has a Way to BOOST YOUR HOLIDAY BUDGET!

Apply for up to $1,000 with no payments until 2026. Whether it’s gifts, travel, or just some extra spending money, ANECA makes it easy to add more cheer to your season.

Santa Loan Details & How to Request*

Loans must be booked by November 30, 2025. A $35 processing fee is required before booking. Payments begin January 10, 2026.

• Loan Amount: Up to $1,000
• Term: 11 months
• Rate: 17.99% fixed APR
• All credit tiers accepted

Member Qualifications

To qualify, members must:

• Be an ANECA member for at least 6 months
• Have direct deposit with ANECA
• Be employed with current employer for at least 1 year
• Set up automatic payments
• Have no prior losses with ANECA
• Pay off any existing Santa Loan before reapplying

Apply now to get your Santa Loan and make this holiday season extra special!

2025 Santa Loan Application

*Current Santa Loan must be paid in full before a new Santa Loan can be approved.