Personal Loans

Life’s full of unexpected opportunities and sometimes expenses. Personal loans are all about you. We can help you get out of town on that once-in-a-lifetime vacation or out of debt with a consolidation loan at a lower interest rate. Your loan, your way.

  • Personal Loan

    If you imagine it, we may be able to help you fund it. Our quick, no-collateral personal loans make your vision a reality.

    • Personal Loan amounts from $500 to $50,000
    • Repayment terms from 12 to 48 months
    • No application, annual, or prepayment fees
    • Low fixed-rates from 9.25% to 18.00% APR2
    • Take advantage of up to a .25% rate discount1
    At 9.25% APR2
    $500 12 months $43.78
    $5,000 36 months $159.58
    $10,000 48 months $250.04

    Apply Now

  • Debt Consolidation Loan

    Need a lifeline?  Consolidate high-rate interest loans, into one manageable monthly payment.

    • Debt Consolidation Loan amounts from $500 to $35,0003
    • Low fixed-rates from 9.99% to 18.00% APR2
    • Repayment terms from 12 to 60 months
    • Take advantage of up to a .25% rate discount1
    • No application, annual or prepayment fees
    (60-month term at 9.99% APR2)
    $5,000 $106.21/month
    $10,000 $212.42/month
    $20,000 $424.84/month

    Apply Now

  • Signature Line of Credit

    Be ready for repairs, cash shortfalls and any unexpected expenses with a revolving line-of-credit.

    • Signature Line-of-Credit amounts up to $25,000
    • Low variable rates
    • Low minimum payments
    • Only pay interest on the amount used
    • Take advantage of a .25% rate discount1

    Apply Now

1Available rate discounts include: .05% if Premier or eChecking Account is maintained during term of the loan; .05% if loan payment is automatically transferred from a UNIFY Savings or Checking Account for entire term of the loan; .15% for a recurring Direct Deposit of $400 or more per month to a UNIFY Savings or Checking Account during the term of the loan. Maximum total rate discount for any qualified loan is .25% and may not be combined with any other loan rate discount offers. See Consumer Loan Rate Discount Acknowledgement for complete details.

2APR=Annual Percentage Rate. Offer valid January 1, 2016, and subject to change without notice and may end at any time. Advertised “as low as” APR assumes excellent credit history and the maximum rate discount of .25%. Your actual rate my vary based on your credit history, ability to repay, approved loan amount, term, state of residence, and applicable discounts. Subject to membership eligibility and credit qualification May not be combined with any other loan rate discount offer.

3 Loan disbursements paid directly to creditors and borrower must agree to close credit lines paid from proceeds of the Debt Consolidation Loan. Not valid with any other offers.

See Rates for available terms, APRs, estimated payments and disclosures.

UNIFY Financial Credit Union is an equal opportunity lender.

Can’t remember your Username?

No problem. Just phone our Contact Center at 877.254.9328, available 24/7, and a UNIFY Representative will assist you.