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Personal Loans

For life's big moves

Take control of relocations, family needs, and more with fast, flexible funding

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 not covered by our other loans. We specialize in understanding various UN contract terms, often enabling us to lend to more members at competitive rates.

Two individuals enjoying a mountain hike.

Quick financing for almost any initiative

With an unsecured personal loan:

  • Borrow up to $150,0001 without needing collateral. 
  • Receive up to $50,000 deposited to your UNFCU account.
  • Receive a decision from our team in as little as four business days.2
  • Enjoy a fixed rate as low as 7.95% APR.⁠3
Two individuals enjoying a picnic.

Qualify easily and build credit

With a secured with deposit loan:

  • If you have at least $500 in your savings or share certificate account, you are welcome to apply.
  • Borrow up to 150% of the amount in your UNFCU savings or share certificate account.4 The balance will be used as collateral.
  • Receive the borrowed amount directly. 
  • While you will not be able to access the money used as collateral, it will continue to earn dividends. 

Be ready for unexpected expenses

Members with a checking account can apply for a line of credit:

  • Access the entire borrowed amount at any time, up to $25,000.1
  • Automatically protect your checking account from overdrafts.
  • Replenish your line of credit with every payment. 
  • Pay interest and principal on only the amount that you use.

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 extra dividends & fee rebates

    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 7.95% APR3

Secured with deposit loan

Variable as low as Deposit Rate + 2.00%5

Line of credit

Variable starting at 13.50% APR6

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 day2,7

Secured with deposit loan

As little as one business day2,7

Line of credit

As little as one business day2,7

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

Estimate your monthly payments

Determine what fits your budget, so you can plan with confidence.

This calculator is for educational purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Please speak with a legal or financial professional before making any decisions based on these results.

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. 

See what members are saying

It's absolutely incredible how quickly and professionally the file was handled. I'm so happy with the service you provided. Whether it was for the loan or the card I have requested, the service was very, very fast. Thank you so much.
Josette M.
Haiti
As usual, during my over 40 years of membership with UNFCU, I have always appreciated the excellent service provided to me by UNFCU representatives, and the rapid feedback given whether application denied or approved. In this specific case, I am fully satisfied with the service and orientation provided. Thank you.
Victor M.
Cameroon
I am extremely impressed by constant communication/updates throughout the application process. The turnaround time was also impressive. Keep up the good work.
Nozipho M.
Eswatini
You have very responsive and professional staff. You give options when the loan applicant comes with a loan request that does not meet loan conditions. Your staff keep contact until final steps of loan processing are completed. Thanks for your remarkable support.
G. Rawashdeh
Jordan
UNFCU kept me informed of all steps; the system is easy to navigate; guidance was promptly provided where I had a question.
Argentina P.
Portugal
UNFCU is my go-to destination for loans, simply because I can complete the whole process without having to show up in person.
Karim S
Senegal
This experience has given me great confidence in maintaining UNFCU as my primary financial institution, one that I can truly rely on.
Missiba A.
Jordan
My appreciation to the UNFCU loan team for such a prompt processing of my loan application that exceeded my expectations.
Vladimir D.
Russia
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Apply for a personal loan

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

Apply today

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. 

View all loans FAQs

Resources to help you get started

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More ways to borrow

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

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Disclosures

  1. Your approved loan amount could be less than the amount you requested due to a number of factors. All applicants are subject to credit approval. The total amount of unsecured loans for members without a home loan cannot exceed $150,000. This individual maximum includes unused lines of credit. The maximum amount can be extended to $225,000 if you have or are applying for one of our international home loans. UNA-USA or KI USA members with a UNFCU US mortgage may apply for consumer loans, credit cards, or a line of credit. All other members who joined via UNA-USA or KI USA must be a member for 12 months before applying for consumer loans, credit cards, or a line of credit.  
  2. UNFCU does not guarantee any time frames. Factors such as the volume of loan applications received may affect this time frame. 
  3. APR = Annual Percentage Rate. The term of your loan, creditworthiness, UN contract type, and loan amount will determine actual APR. All rates are subject to change without prior notice.
  4. Maximum for UNFCU members eligible for all unsecured loans. Other UNFCU members can borrow up to 100% of the money in their savings or share certificate account. Your approved loan amount could be less than the amount you requested. This may be due to other loan obligations you have with UNFCU. Other factors such as credit quality and debt to income ratio may also impact your final loan terms.
  5. The deposit rate used as the index for your secured with deposit loan will be equal to the Annual Percentage Yield (APY) of the savings account or share certificate used to secure the loan. 
  6. APR = Annual Percentage Rate. Creditworthiness, UN contract type, and loan amount will determine actual APR. All rates are subject to change without prior notice. Variable rates are fixed for the first six months of an unsecured loan. Thereafter, the variable rate may increase and is based on the Wall Street Journal Prime Rate plus the margin.
  7. Receive the loan amount in as little as one business day after your loan application is approved and signed.