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Personal Loans

A starting point for new possibilities

Take control of moments big and small with fast, flexible options

On this page:

Pay for moving expenses, health care costs, or even a memorable family trip — our personal loan options can finance nearly any need. We specialize in understanding various UN contract terms, often enabling us to lend to more members at competitive rates.

More benefits

  • Board check.

    Apply for free

    Apply online or in person with no application fee or origination fee.

  • Calendar.

    No fee for repaying early

    There are no pre-payment penalties if you choose to pay back your loan before the end of your term.

  • Checkmark.

    Earn rebates & extra dividends

    Your loan balance with us contributes to your eligibility for Member Loyalty Rewards

  • Personal protection.

    Protect your loved ones

    Your loan includes payment coverage in the event of your passing. 

Compare personal loan options

Unsecured personal loan

Secured with deposit loan

Line of credit

Loan amount

Unsecured personal loan

Up to $150,0001 

Secured with deposit loan

Up to 150% of the money in your UNFCU savings or share certificate accounts4 

Line of credit

Up to $25,0001 

Rate

Unsecured personal loan

Fixed starting at 8.95% APR3

Secured with deposit loan

Variable as low as Deposit Rate + 2.00%5

Line of credit

Variable starting at 15.25% APR5

Term

Unsecured personal loan

Up to 15 years
(shorter terms offer lower rates)

Secured with deposit loan

6 months to 12 years

Line of credit

N/A

Collateral required

Unsecured personal loan

None

Secured with deposit loan

The money in your UNFCU savings or share certificate account

Line of credit

None

Decision time

Unsecured personal loan

As little as four business days2

Secured with deposit loan

As little as two business days2

Line of credit

As little as four business days2

Application fee

Unsecured personal loan

$0.00

Secured with deposit loan

$0.00

Line of credit

$0.00

Pre-payment penalties

Unsecured personal loan

$0.00

Secured with deposit loan

$0.00

Line of credit

$0.00

Origination fee

Unsecured personal loan

$0.00

Secured with deposit loan

$0.00

Line of credit

$0.00

Disbursement time

Unsecured personal loan

As little as one business day2,6

Secured with deposit loan

As little as one business day2,6

Line of credit

As little as one business day2,6

Member Loyalty Rewards

Unsecured personal loan

Secured with deposit loan

Line of credit

Credit Life Protection

Unsecured personal loan

Secured with deposit loan

Line of credit

Credit Disability Debt Protection

Unsecured personal loan

Enroll for a fee

Secured with deposit loan

Enroll for a fee

Line of credit

Enroll for a fee

Consistent monthly payment amounts

Unsecured personal loan

Secured with deposit loan

Line of credit

Monthly payments depend on your use of the line of credit

Board check.

Check your eligibility

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

All members with at least $500 in their UNFCU savings or share certificate account are eligible for a secured with deposit loan. 

Two individuals carrying moving boxes into their car.

Apply for a personal loan

Complete your online application 24/7 from anywhere in the world.

Top personal loans FAQs

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. 

Resources to help you get started

Visit the Help Center
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Required documents for your loan application

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Loan payment calculator

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View loan statements 

More ways to borrow

Browse loans for specific purposes, all designed for the UN community.