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A personal loan is a quick and easy option when you need extra cash for anything, from vacation to debt consolidation. It’s an alternative to using a higher rate credit card or cash advance company.
- Low fixed rates1
- Short term to long term payments, from 6 to 120 months³
- Loan amounts range from $200 – $15,000
- Secured and unsecured options available
- No prepayment penalties
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FEATURE |
SHARE (SAVINGS) SECURED LOAN |
SHARE CERTIFICATE SECURED LOAN |
LINE OF CREDIT |
SIGNATURE LOAN |
|---|---|---|---|---|
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Why? |
A Secured Loan is a good idea if you’re looking to build your credit or you need cash but don’t want to dip into your savings or certificate. With a Secured Loan you borrow against your savings or certificate at ULFCU and receive a low-rate loan, while still earning interest on your financial resources on deposit. |
No collateral required |
No collateral required |
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|
Repayment Period |
6 months to 10 years |
6 months to 10 years |
Based on 60 months2 |
6 months to 5 years3 |
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Borrow Amount |
$200 – $15,000 |
$500 – $15,000 |
$200 – $15,000 |
$200 – $15,000 |
Or visit a branch or call our Loan Team at 337-482-6956.
1Your qualifying rate is based on your credit profile, associated credit score, and our internal credit criteria. Your APR may differ based on your loan amount, repayment method, and other factors. There is a Loan Processing Fee of $20.00 for all loan application requests.
2Additional withdrawals may change repayment terms.
3APR = Annual Percentage Rate. APY = Annual Percentage Yield. Your qualifying rate is based on your credit profile, associated credit score, and our internal credit criteria. At 3.11% APR (based on current APY), pay 120 monthly payments of $9.71 per $1,000 borrowed. Your APR may differ based on your loan amount, repayment method, and other factors. There is a Loan Processing Fee of $20.00 for all loan application requests
Signature/Personal loans at 9.95% APR, pay 60 monthly payments of $21.22 per $1,000 borrowed. Your APR may differ based on our internal credit criteria. There is a Loan Processing Fee of $20.00 for all loan application requests.
