*$25 Application Fee Applies. Payment example is based on Annual Percentage Rate of 18.00%. Must have a minimum $1,000 monthly direct deposit into a Wanigas account, 6 months verifiable income, be in good standing on all Wanigas loans. $1,500 offer available to members that were issued and paid off a 2017 Holiday Loan. 12-month Term. Other restrictions may apply. Offer ends January 11, 2019.