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Home » Loans » Personal Loans » Holiday Recovery Loans

Holiday Recovery Loans

The Holidays Were Worth It. The Interest Rate Isn't.

Our Holiday Recovery Loan starts at 6.99% APR*—71% less** than the average credit card. One loan. One fixed payment. A rate that actually lets you pay it off.

Apply for a Loan Today

How It Works

Getting out from under high-interest debt is simpler than you think.

  1. Add Up What You Owe.
    Total your holiday spending across credit cards so you know what you’re consolidating.
  2. Get Pre-Approved.
    Our free pre-approval shows you your rate and terms. No commitment. No surprises.
  3. Apply Online or Call.
    Select “Unsecured Loan” from our options, or call us, whichever’s easier.
  4. Pay Off the Cards. Keep the Lower Rate.
    Use your loan to clear the balances. One fixed payment. A rate that actually lets you make progress.

Stop Paying Interest. Start Paying It Off.

Why Choose a Chief Financial Holiday Recovery Loan?

  • Lower Rate, Faster Payoff

    Starting at 6.99% APR.* That's 71% less than average credit cards. More of your payment hits principal, not interest.

  • No Prepayment Penalties

    Want to pay it off early? Go ahead. We won't charge you for it.

  • Flexible Amounts

    Borrow what you need to consolidate, nothing more.

  • Fixed Payments

    One payment, same amount, every month. No surprises.

Move Forward, Not in Circles

The holidays happened. The memories are made. Now let’s make sure you’re not paying for them twice. A Holiday Recovery Loan from Chief Financial consolidates high-interest debt into one manageable payment, so your money actually goes somewhere.

Ready to stop paying interest and start paying it off? Apply today.

Apply Now

*Rates as low as 6.99% APR. Actual rate may vary based on creditworthiness, loan term, and loan amount. Subject to credit approval.

Average credit card rates as of September 2025 reported by LendingTree.