Personal Loans

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. View our options below that include:

  • Low fixed rates¹

  • Loan amounts range from $200 – $15,000

  • Secured and unsecured options available

  • No prepayment penalties

America 250 Personal (Signature) Loan Special

Need extra cash? Take 2.50% APR* off your qualifying personal loan rate through August 15, 2026. Whether you're planning a summer getaway, tackling a home project, or making a special purchase, this limited-time offer can help.

  • Borrow up to $5,000

  • No collateral required

  • Up to 24-month repayment term

  • Rates as low as 6.45% APR*

  • Apply online or visit a branch to get started.

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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.

  • 6-month to 10-year repayment period options

  • No collateral required

  • Borrow limit: $200 – $15,000

  • No collateral required

  • Borrow limit: $200 – $15,000

Financial emergencies happen, and if we aren’t prepared, the burden can cause long-lasting effects. 

  • Borrow up to $500

  • No credit check required

  • Borrower must be a member for at least 3 months

  • Must pay back within 4 months

  • Qualifications may apply