Jumpstart Your Holiday Shopping!!!  Apply for our Holiday Loan between November 15th - December 15th Minimum loan amount of $1,000. for a 12 month term, all approved loans will receive a rate of 4.00% APR*  or Use your Summit Credit Card to complete a cash advance or balance transfer from December 1st - January 31st to take advantage of a 2.99% APR* for the life of the balance .........NO Cash Advance Fee and NO Balance Transfer Fee!!!