MAKE A LITTLE MORE ROOM FOR THE HOLIDAYS
Gifts. Travel. Family dinners. All the little extras that add up faster than expected.
Whatever your holiday budget looks like this year, Pillar has options that can help you cover the costs, create some breathing room, or start planning now for next year.
NEED SOME EXTRA ROOM RIGHT NOW?
Holiday Loan Special
Holiday expenses coming faster than your budget can handle them? Our Holiday Loan gives Pillar members a simple way to borrow up to $2,000 and spread the cost over 12 months, with special holiday rates available for a limited time.
Fast Cash
Sometimes the need is more immediate. Fast Cash is a no-credit-check loan based on your relationship with Pillar. If approved, funds can be available in your account within minutes.
Skip-A-Pay
Already have an eligible Pillar auto or personal loan? Skip-A-Pay may let you skip a monthly payment and keep that money available for gifts, groceries, travel, or whatever else the season brings.
WANT MORE FLEXIBILITY?
Credit Cards
A credit card can give you flexibility for purchases you plan to pay off over time. Compare Pillar’s card options and find the rate or rewards setup that fits how you spend.
Debt Consolidation
If holiday expenses are landing on top of credit card balances and other monthly payments, this may be a good time to look at the bigger picture. Debt consolidation could help combine multiple balances into one payment and give you a clearer plan for paying them down.
MAKE NEXT YEAR EASIER ON YOURSELF
Christmas Club
Give next December’s budget a head start. A Christmas Club Account lets you set money aside throughout the year, so you already have a holiday fund waiting when the season rolls around again.
Set up automatic deposits, let your savings build, and take some of the pressure off next year’s budget.
A FEW TIPS TO KEEP HOLIDAY SPENDING IN CHECK
Start with one number.
Decide what you can comfortably spend on the entire season before you start buying. Then divide that amount between gifts, food, travel, and everything else.
Give every expense a place.
Holiday spending gets harder to track when purchases are scattered across different cards and accounts. Keep a simple running total so you know where you stand.
Look at the full cost of borrowing.
A lower monthly payment can be helpful, but also consider the interest rate, repayment period, and total amount you’ll repay before choosing how to cover an expense.
Start next year while this year is still fresh.
Once the holidays are over, think about what you actually spent. Divide that number by 12 and consider automatically saving that amount each month for next year.
NOT SURE WHICH OPTION MAKES SENSE?
You don’t have to figure it out on your own. Talk with a Pillar team member about what you’re trying to accomplish, and we’ll help you look at the options.
Not a Pillar member yet?
All of these products are available to Pillar members. If you’re eligible to join, we can help you get your membership set up and take the next step.
Loans subject to credit approval and applicable eligibility requirements. Product terms, rates, fees, and availability vary. See individual product pages for complete details.