Personal Loans
A Personal Loan is used for any reason and any purpose. It is an unsecured loan, which means there is no requirement to pledge an asset (like a home or car) as collateral. Like all loans, there are many factors in granting a loan, but the main factors are your credit history and your ability to pay the loan back. At Vickswood Federal Credit Union, we have various terms and competitive low rates to meet your objectives. Talk to us today and let us find the right loan for what you want or need.
Benefits
Repayment terms of up to 48 months
No collateral needed
Apply by phone or in person
Low competitive rates
Loans from $500 to $7,000
Flexible payment options matched to fit your lifestyle, weekly, bi-weekly, semi-monthly, or monthly
Loan Special
Vickswood offers three short-term loan specials each year with no credit check. To qualify, members must have direct deposit for at least 6 months and an account in good standing.
Spring Loan Special
$300
3-month repayment
Back-to-School Loan Special
$300
3-month repayment
Christmas Loan Special
$500
5-month repayment
Insurance Loans
No credit approval required
12-month vehicle insurance quote required (must be paid back in 12 months)
Fixed 12% rate
Loan Protection
(OPTIONAL- additional fees apply)
Credit Disability Insurance
Credit Life Insurance
GAP Insurance
Loan Rates
| Type of Loan | APR* |
|---|---|
| New Auto | Starts at 4.99% |
| Used Auto | Starts at 5.99% |
| New Motor Homes | Starts at 6.00% |
| New Recreational Vehicles | Starts at 5.99% |
| Used Recreational Vehicles | Starts at 6.25% |
| New Furniture | Starts at 7.50% |
| New Appliances | Starts at 7.50% |
| New Yard & Garden Equipment | Starts at 7.00% |
| New Farm Tractors | Starts at 6.25% |
| Used Farm Tractors | Starts at 7.25% |
| Share Secured | Starts at 2.99% |
| Signature Loans | Starts at 7.00% |
How To Apply
Apply over the phone or at our location today!