Apply for a loan or credit card
- Sign in to Digital Banking.
- Under Account Services, select Apply for a Loan or Credit Card.
Discover the worldwide benefits UNFCU members enjoy
Pay for tuition and supplies at any learning institution
Whether school is across continents or down the street, invest in yourself or support a loved one on a learning journey. We specialize in understanding various UN contract terms, often enabling us to lend to more members at competitive rates.
Use the approved loan amount globally for education needs at any level:
We understand that paying tuition is only one part of the education journey. Use up to $5,000 of the approved loan amount for expenses such as:
Apply online or in person with no application fee or origination fee.
There are no pre-payment penalties if you choose to pay back your loan before the end of your term.
Your loan balance with us contributes to your eligibility for Member Loyalty Rewards.
Your loan includes payment coverage in the event of your passing.
Included with an education loan |
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Rate |
Included with an education loan Fixed starting at 7.75% APR1 |
Term |
Included with an education loan Up to 15 years |
Collateral required |
Included with an education loan None |
Decision time |
Included with an education loan As little as four business days |
Application fee |
Included with an education loan $0.00 |
Pre-payment penalties |
Included with an education loan $0.00 |
Origination fee |
Included with an education loan $0.00 |
Disbursement time |
Included with an education loan As little as three business days2 |
Included with an education loan |
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Included with an education loan |
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Included with an education loan Enroll for a fee |
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Consistent monthly payment amounts |
Included with an education loan |
Repaying what you borrow should never be a struggle. We evaluate each loan request based on factors that can affect your ability to repay. View eligibility criteria.
Complete your online application 24/7 from anywhere in the world.
All UNFCU loans are in US dollars (USD).
Unsecured loans are not backed by collateral. This means there is no asset for the lender to claim if the borrower is unable to pay back the loan. Our unsecured personal loan is an example of an unsecured loan.
A secured loan requires an asset as collateral. For example, a mortgage is a secured loan. The home being purchased is used as collateral to secure the mortgage. In the event the home buyer is unable to repay the mortgage, the lender can claim the property.
For unsecured loans and secured auto loans, the term of your loan is one of several factors that determine the rate. The term of the loan does not impact the rate for a secured with deposit loan. For lines of credit, including credit cards, term is not applicable.
You can select your term as part of the application process. Loans with shorter terms usually have lower interest costs but higher monthly payments than loans with longer terms. Term options range from six to 180 months, depending on the loan. The loan officer who reviews your application may contact you to discuss a different term than the one you selected. This will be based on our assessment of how much you can afford to pay each month.
Please contact us as soon as possible to inform us of your future plans. If you receive a final entitlement, we may apply the full amount or a portion of it to cover the amount you owe. We will discuss your options with you.
We offer Credit Disability Debt Protection. If you become disabled and lose your income, you can continue making your UNFCU loan and credit card payments.
To receive this protection, the primary borrower must enroll for it. A fee of $0.15 per $100 will then be added to the outstanding loan balance. For example, if at the end of the month your loan balance is $5,000, a $7.50 fee will be added.
The application is quick and a physical exam is not required. Call or visit us in person to enroll.
Browse multi-purpose loans and loans for specific purposes, all designed for the UN community.
For unsecured loans, eligibility is dependent on a number of factors. These can include, but are not limited to, the member’s:
Members who joined UNFCU via UNA-USA or KI USA must be a member for at least 12 months to qualify for an unsecured loan.
Learn more about loan eligibility.