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Personal Loans

Vacation Loans, Holiday Loans, Back to School Loans, Payoff Debt Loans, Car Repair Loans, Second Chance Loans - Loans to get cash in your hands when you need it

A signature loan is a type of unsecured personal loan you can get without having to put down any property or assets as collateral.  It’s called a signature loan because you can get approved with your signature and your personal credit history.  Since there is no collateral for a signature loan, the rates are higher than secured loans.  We look at your income compared to your debts, your credit score, which is an indication of how you have made payments on previous loans, and we look at your job stability.  All these are used in calculating a debt ratio and making a decision on your loan request.  You may be required to have a co-signor if you do not qualify on your own, or you do not have any credit history.

We now offer a second chance personal loan for our membership. Second chance loans are available between $300 and $500 with a repayment term up to eight months. Second chance loans require a checking and a savings account, direct deposit for at least six months with a minimum direct deposit amount of $300 per month. Payroll deduction is required. There is no prepayment penalty. The second chance loan must be paid in full before reapplying for another second chance loan.

Our loan deparment can give you more information on any of these loans and answer any questions you may have.  Call us today to apply for your unsecured loan, or use the Apply Now button.

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Disclaimers
*Rates and loan terms subject to credit approval. Other conditions my apply. Membership eligibility required. Rates are subject to change without notice. Contact the credit union for full details.
Payment Example:  A $5,000 personal loan at 10.00% Annual Percentage Rate (APR) for a 60-month term- estimated monthly payments of $107 or $50 biweekly.  
Loan Amount: Loan amounts will vary based on credit, income, and employment status. 
Repayment Terms: Personal loan terms will vary by loan amount, credit score, and must be a member in good standing. Terms for personal loans are up to a maximum of 60 months. 
Interest Rates: Rates are determined by the member's credit score.
Fees and Early Payoff Penalty: There are no processing fees for personal loans and no prepayment penalty for early payoff. Our loans are simple interest loans.

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