Personal Loans

Holiday cash loan

Holiday Cash Loan

Take Advantage of our Holiday Cash Loan promotion for a cheerier holiday season!

For the months of October, November and December, we offer loans of $500, $1,000 and $2,000 at rates as low as 6.99% APR*!

You pay $43.26, $86.52 or $173.04 a month for 12 months for $500, $1,000 or $2,000 respectively**.

Even more, the application fee will be waived when you apply for this promotion!

Apply through Online Banking – Choose Loan Type: Other  | Purpose of Loan: Holiday Cash Promotion.

Quick and Easy Approval!

Apply at our branches! or contact us at 212-529-8197, 212-828-6061, or 718-554-4544


  • Be a current Credit Union Member – Not a member yet?
  • Direct Deposit and/or Auto-Pay is required
  • NO application fee for this promotion
  • NO pledge requirement

*APR = Annual Percentage Rate. APRs for this promotion are 6.99%, 7.99%, 8.99% and 12.74%. The amounts to borrow are $500, $1000 and $2000 for a term of 12 months. The monthly payments of $43.26, $86.52 and $173.04 shown here were calculated with a 6.99% APR, the lowest promotional rate. Auto-Pay or direct deposit is required, and loans will increase 2 interest points if Auto-Pay or direct deposit is canceled. A penalty rate of 18%APR will be applied in the event of delinquency or non-payments on the loan over 90 days.

LES People’s FCU offers affordable personal loans for all purposes! including:

  • Debt consolidation
  • Build/repair credit loans
  • Special purchases such as computers, furniture or household appliances
  • Family events like birthdays, graduations or weddings
  • Travel or vacation
  • Back-to-school expenses
  • Home improvement

Loan Requirements

  • Be a current Credit Union member
  • Complete an application through Online Banking | Type of Loan: Signature/Line -of-Credit/Overdraft
  • $10 Loan Application Fee –
  • Proof of income: choose ONE of the following:
    • Pay stubs (3 most recent) and/or letter on letterhead from employer
    • Proof of Public Assistance / SSI / SSD, Pension and/or Child Support
    • 2 years Tax returns, if self employed
  • Proof of Expense: choose one of the following
    • Most recent rent payment
    • Notarized letter from primary tenant stating how much member’s portion of rent is
  • Complete LESPFCU Reference Form
  • *For Debt Consolidation loans the most current statements of all accounts to be consolidated are required

*Other information may be requested depending on the loan request.

Loan Rates

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