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Personal Loans

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

Attractive rates

with a loan amount of $10,000 or more and a 48 month term.1

  • 1 Rate effective as of 9/28/2023. 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 32.49%. 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.
Lower your rate

Get started when you secure your loan with VACU savings2

  • 2 Rate effective as of 9/28/2023. 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 8.25%.
Fast funds


Receive your money as early as today

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

Features & Benefits

  • Quick approval means you could get your money in the same day
  • Manage your loan with online and mobile banking
  • Funds offered in lump sum
  • Move loans from other lenders and save on interest
  • Set up automatic deduction from another financial institution

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.