Holiday Loan

Clean Up. Catch Up. Move On.

Financial Hangover, Fixed.

If the holidays left behind more than memories, you’re not alone. Credit card balances, winter bills, and surprise expenses tend to show up all at once in January. The 2026 Reset Loan helps you regroup, simplify your payments, and start the year with a plan that actually works. 

 

January bills hit hard. This loan helps you clean it up and move on.

  • Budget-Friendly Funding: Access funds to cover holiday and winter expenses.

  • Flexible Repayment: A payment plan that works with your post-holiday budget.

  • Easy to Apply: Simple application and fast decisions.

  • Clear Terms: Straightforward pricing you can understand from the start.


Holiday Reset Loan Details

  • No Credit Score Required: This loan does not require a minimum credit score.

  • Fast Approval: Most decisions are made in about 60 seconds with a simple application.

  • Loan Amount: Borrow up to $2,000 with a 12-month fixed term.

  • Application Fee: $20, charged at the time of application.

  • Automatic Payments: Payments are set up automatically for convenience.

  • Loan Limit: Only one Reset Loan or QCash Loan may be open at a time.





Use a Holiday Reset Loan for:

  • Catching up on holiday expenses

  • Winter travel or planned time away

  • Home expenses or seasonal needs

  • New Year events or special occasions

  • Unexpected winter or emergency expenses

Apply Today Using Your Mobile App!











How to Apply


Log Into Online or Mobile Banking

Use your WyHy Online Banking or the WyHy Mobile App.

Select Holiday Loan

Navigate to the loans section and choose Holiday Loan/QCash.

Complete Your Application

 Complete the application and submit 

Get Approved

After approval your funds are typically available within 24 hours


Holiday Reset Loan FAQs
No! WyHy Holiday Loans are unsecured personal loans.
Never! You can pay off your loan early without any extra fees.
A $20 non-refundable application fee is charged for each Holiday Loan application, regardless of approval status. The fee is deducted from your Checking or Savings account at the time of application. Payments 11+ days late incur a 5% Late Payment Fee.
  • The APR for the Holiday loan is a fixed rate for the duration of the loan.
  • Must be a member for at least 6 months
  • Maximum 1 loan at a time
  • Eligibility for primary account holder only 





































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The amount of the loan is determined by a proprietary algorithm from QCash. All loan applications are subject to review of eligibility and approval. The APR for the QCash loan is a fixed rate for the duration of the loan. The APR will be 17.99% APR. Late Payment Fee of 5% applies if payment is 11 or more days late. Loans are available to members who meet certain eligibility requirements and are considered a member in good standing. QCash loan is only available through online or mobile banking. No minimum credit score is required