Personal Loans

Personal Loans

Get the money you need for larger purchases, such as making home repairs, paying uninsured medical costs, and consolidating bills. It’s quick and easy to apply.

Apply for a personal loan

Apply for a personal loan

Personal loan rate

7.74

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

Borrow up to

$50,000

and get the cash you need.

Get funds as soon as

TODAY

so you can worry less and live more.

Personal loans are the perfect way to get the money you need quickly. You receive your loan amount in one lump sum and make payments over time.

Features & Benefits

Quick approval means you could get your money on the same day.
Manage your loan with online and mobile banking.
Funds are offered in a lump sum.

Move loans from other lenders, and save on interest.
Set up automatic deductions from another financial institution.

Transfer payments automatically from your VACU checking account.
Loan payment protection is available.

Calculate Your Monthly Payment

Apply now for the money you need.

Applying for a personal loan is quick and easy. Start right now, and you could see the money in your account as soon as today.

Apply now

That’s right: Simply secure your loan with a VACU savings account — Regular Savings, Premium, or Premium Plus Money Market Savings all apply — and pay less interest.

Apply for a Share Secured Personal Loan

Personal Loan Resources

See More Resources

Loan Consolidation Calculator

Determine if loan consolidation is right for you with our Loan Consolidation Calculator.

Fixed-Rate Loan Payment Calculator

Determine your monthly payment for a fixed-rate loan with our Fixed-Rate Loan Payment Calculator. Plan your finances while easily comparing different terms and rates.

1
Rate effective as of 07/30/2025. 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 7.74% to a maximum APR rate of 18.00%. Ask us about other APR and longer term options. Regardless of available discounts, 7.74% 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 $242.94 at 7.74% 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 07/30/2025. 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 7.50%.