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  • Personal Loan Options

    Our low-rate personal loans are an affordable way to get the cash you need now – and make payments over time.
father and son on the couch

Personal Loans

Receive a lump sum that helps you pay for larger purchases when you need money quickly.

Learn more Apply now
Rates as low as
7.24

with a loan amount of $10,000 or more and a 48 month term?

Fast Cash

TODAY

Get funds as early as today

Personal Lines of Credit

Apply once – and tap into your money when you need it.

Learn more Apply now
Borrow what you need

$2,001+

Lines start at $2,001, up to your limit

Monthly payments as low as

$25

Pay 2.5% of your balance or $25 monthly, whichever is greater.

Share Secured Personal Loan

Make your money go even further. Secure your personal loan with a VACU savings account and you could pay less interest.

Learn more Apply now
Rates as low as
7.00

When securing your loan with VACU savings?

Fast Cash

TODAY

Get funds as early as today

Included with all personal loans:

No opening fees

Online banking, mobile banking and telephone transfers of funds to your checking account

Low rates

Open a loan for as low as $100 and a line of credit for as low as $2,001

Become a member

When you become a credit union member, you can access great accounts, low rates, online and mobile banking, member discounts and more.

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804-323-6800 VACU Routing Number 251082615
  • 1

    Rate effective as of 12/03/2025. Minimum and maximum loan amounts or credit limits apply. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit, a 0.5% discount for an automated payment method approved by us, and a 3.0% discount for personal loans. Must be a new personal loan not a refinance of a VACU loan to receive the discounted rate. Repay a personal loan in a minimum of 3 months to a maximum of 60 months. Rates range between 7.24% to a maximum APR rate of 18.00%. Ask us about other APR and longer term options. Regardless of available discounts, 7.24% is the minimum APR offered which includes maximum discounts. No application fee. Payment example: Based on a $10,000 loan with a monthly payment of $240.55 at 7.24% APR with a 48 month term. Other options are available with APR based on loan amount, repayment method, term and other factors. This example is an estimate only and assumes all payments are made on time.

    For loan amounts between $100 and $2,000, you will be directed to the Express Personal Loan with an APR of 28.00%, subject to credit approval. Repay an Express Personal Loan in a minimum of 1 month to a maximum of 12 months. No more than one VACU Express Personal Loan is allowed to be open at a time, and Express Personal Loans cannot be refinanced to other VACU loans. No application fee. Payment example: Based on a $1,500 loan with a monthly payment of $144.76 at  28.00% APR with a 12 month term. This example is an estimate only and assumes all payments are made on time.

  • 2

    Rate effective as of 12/03/2025. Minimum and maximum loan amounts or credit limits apply. APR varies and may be adjusted monthly based on the Prime Rate published in the Wall Street Journal. Minimum APR is 7.00%.

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