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 Transfer payments automatically from your VACU checking account Loan payment protection Make your money go even further. If you want an even better rate, simply use your credit union savings as collateral. That's right: Simply secure your loan with a VACU savings account - Regular Savings, Premium or Premium Plus Money Market Savings, and Savings Certificates all apply - and pay less interest. Apply for a Share Secured Personal Loan 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 Personal Loan Resources See More Resources Should I consolidate my loans? This calculator determines the advantage or disadvantage of consolidating various loans and credit card debt. Click the "Add" button to enter up to a total of 10 different loans and credit cards. Credit Matters A good credit score can help you get the best rates when you want to borrow money but can also affect other things like renting an apartment and landing your dream job. Borrowing money can help you start building your credit. However, because it’s easy to make expensive mistakes that can follow you for a long time, it’s a good idea to learn how to borrow wisely and manage your credit. How much will my loan payments be? Use this calculator to compute the payment amount (principal and interest) for a fixed rate loan.