The KCCU Christmas loan product would be made available to members during the period October 17– January 31.

Kindly note the product details.

 Product Name  CASHMAS
Loan Range $3,000 - $20,000
Interest Rate 9.0% reducing balance (less than 1% per month)
Repayment Period Maximum 48 months
Fees $100.00
Compulsory savings $50.00- $100.00 range monthly 


  • Open to new members
  • No payment until January of next year- New Loans only

Top-Up Feature

  • A TOP-UP feature is available to existing members with any Christmas Loan prior
  • These loans are not subject to any repayment waivers
  • Loans granted on top ups should not exceed a full loan value of $25,000.00
  • Repayment period should not exceed 48 months


  • Membership
  • Employment > 2 years
  • Direct Deduction from a reputable company with an existing deduction history
  • Documents - Job letter and/or pay slip, verification of purpose (where applicable) such as invoices and estimates
  • Credit Checks

KCCU terms and conditions do apply.



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