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- Under Account Services, select Apply for a Loan or Credit Card.
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Loans
Borrow what you need for life’s important moments
From a sudden need to your next adventure, you can rely on our expertise in global lending for tailored help to finance important moments, always with no application fee or pre-payment penalties.
Explore our loan options
Personal loans
Take control of relocations, family needs, and more with fast, flexible funding.
Education loan
Pay for tuition and supplies at any learning institution.
Home improvement loans
Make improvements to your home with flexible financing.
Debt consolidation loan
Access high limits and competitive rates to help you manage fewer monthly payments.
US automobile loan
Finance the purchase of a vehicle in the US with added rate savings for new, hybrid, or electric vehicles.
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.
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.
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Top 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.
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