Summer Loan: Fast, Flexible Funding for Your Summer Plans
Summer moves fast and brings plenty to look forward to. Cover your summer expenses with one simple loan. Get a fixed monthly payment, a clear repayment plan, and funds you can use right away.
Borrow what you need
A Hughes Summer Loan is flexible, so you can borrow $1,000 - $10,000** for a wide range of expenses, including:
- Travel and vacation
- Debt consolidation
- Emergency expenses (car repairs, medical bills)
- Summer activities
- Home improvement projects
How it works
- Apply online or in person
- Get approved for your loan
- Lock in our One Low Rate®
- Make fixed monthly payments
- Use funds for your immediate needs
What is a "One Low Rate®"
Our Summer Loan comes with our One Low Rate®, which means all approved borrowers get the same low rate - regardless of credit score. No guesswork. Just predictable payments from day one.
Common questions about the Hughes Summer Loan
Can I use a Summer Loan for a vacation?
Yes. A Summer Loan from Hughes can cover flights, hotels, gas, and other travel-related costs.
Can I use a Summer Loan to pay bills?
Yes. You can use a Summer Loan to consolidate multiple bills into one fixed monthly payment.
Can I use a Summer Loan for emergencies?
Yes. You can use it to cover expenses such as car maintenance, medical bills, or unexpected home repairs.
Can I use a Summer Loan for home renovations?
You can use your loan for any home improvement projects, such as a pool, deck, a bathroom remodel, upgraded appliances, or a fresh coat of paint.
How do I apply for a Summer Loan?
Apply now through August 31, 2026, so you can have the flexibility to manage summer expenses on your terms.
Application Deadline: August 31, 2026
Rates
11.50% APR*
Fixed Rate (Up to 48 Months)
Features & Benefits
- Easy application
- A great fixed rate: 11.50% APR*
- Borrow from $1,000 to $10,000**
- Terms up to four years**
Speedy Turnaround
Once we receive your application, we’ll contact you promptly to get everything finalized.
Flexible Terms
Up to four years.FAQ
Summer Loan Frequently Asked Questions
You may join Hughes Federal Credit Union if you:
- Live, work, worship or attend school in Tucson
- Are employed by one of our Select Employer Groups
- Have a family / household member who is a member of Hughes: Family member – a spouse, child, sister/brother, parent, grandparent, grandchild, stepparent, stepchild, stepsister/brother, or adopted child. A household member is a person living in the same residence sharing household expenses.
- Make a small donation to one of the following community Special Interest Groups:
- Friends of the Oro Valley Public Library
- Friends of the Kirk Bear Canyon Library
No. You are not penalized for paying off a loan early at Hughes.
Disclosures
Effective Date: 04-01-2026
*Annual Percentage Rate (APR) and loan terms can affect your monthly payments. Use a Hughes Financial Calculator to calculate payment amounts for fixed-rate loans.
Loan Payment Example: A loan amount of $5,000 for 36 months at 11.50% fixed APR will have a monthly payment of $164.88.
One Low Rate™ applies to all Hughes Federal Credit Union loans except credit builder loans, mortgage and student loans, which are offered through an outside vendor. For members with approved credit. Certain restrictions apply.
**Certain restrictions apply. Terms up to four years. All loans are subject to approval. Only one per member open at a time as borrower and/or co-borrower. Contact Hughes Federal Credit Union for additional information.