Personal Loans
Members Choice Credit Union is your trusted partner when it comes to Personal Loans. We understand that life's financial demands can vary, which is why we offer a range of personalized lending solutions to meet your unique needs. With borrowing options spanning from $200 to $15,000*, our Personal Loans provide the financial flexibility you require.
With our Personal Loans, you can enjoy terms of up to 60 months, ensuring manageable monthly payments that fit your budget. What sets us apart at Members Choice is our commitment to fairness – we base your interest rate on your credit history, ensuring that you receive a competitive offer. For added security and versatility, we also offer Shared Secured loans. Whether you're planning to consolidate debt, cover unexpected expenses, or pursue your dreams, Members Choice Credit Union is here to support you every step of the way with our tailored Personal Loans.
Details About Our Personal Loans:
- Borrow between $200 - $25,000*
- Terms up to 60 months
- Fixed monthly payments
- No collateral required, rate based on credit history – Shared Secured loans available too
| Signature Loans | 13.24% APR* |
How Personal Loans Work
Apply
It's easy to apply online and only takes a few minutes.
Sign Your Loan
After approval, you can electronically sign your loan to save time—and paper.
Receive Your Money
Your funds will be automatically deposited into your account in as little as 24 hours.
Application Checklist
Here are a few things we'll need to know to apply for a personal loan:
1 How much do you want to borrow for your loan
2 How long you'd like to finance your loan
3 Current employment and income (including your employer's name and contact information)
4 Your contact information, including phone number and email
5 Information about your co-applicant, if applicable (date of birth, address, phone number, email, income, employer's name and phone number, Social Security number, MCCU member number)
Personal Loan Resources
Skip-A-Pay
Would skipping a loan payment make managing your
holiday budget just a little bit easier? For many, even a couple extra hundred dollars can free up
some extra cash. Check out our December Skip-a-Pay program. Learn More!
Coach: Cost of a Wedding
Coach: Repairing Credit
Join MCCU For Your Personal Loan
As a member of Members Choice Credit Union, you'll gain access to our personalized financial solutions and competitive loan offerings. Our dedicated staff will guide you through the application process, ensuring that you receive a loan tailored to your specific needs. Whether you're looking to consolidate debt, fund home improvements, or simply need extra cash for any purpose, MCCU opens the door to a range of customized Personal Loans designed to help you achieve your financial goals.
*Minimum loan amount of $200.00. Maximum loan amount of $15,000.00. For loan amounts less than $7,500.00, there is a 48-month maximum term. Personal loan terms greater than 48 months require a minimum loan amount of $7,500.00. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Additional restrictions may apply. Subject to credit approval.
**Maximum loan amount of $1,500.00. Term for 10 months with no payment for 60 days. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Additional restrictions may apply. Subject to credit approval. Interest will accrue during the 90-day deferment period. The first payment must be made on due date disclosed in the loan agreement. **Annual Percentage Rate. Payment example: A $1,500 loan for a term of 10 months at 9.99% APR, the monthly payment will be $160.86. $25 Application fee applies. Limited time special, subject to change at any time without notice