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Neighborhood Credit Union
Routing #311079270
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Routing #311079270
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Routing #311079270
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Personal Loans

Personal Loans

Whether you’re taking a vacation, consolidating bills, doing home or auto repairs, or just need some cash, apply for one of Neighborhood Credit Union's Personal Loans today.



Line of Credit

Get access to a pre-approved amount of extra cash through withdrawals, Online Banking & overdraft protection. 



Share Secured Loans

Use the funds in your savings, CD or Money Market account as security against the loans. Enjoy low rates while you continue to earn dividends on your savings.




Overdraft Loan

Avoid checking account charge-offs with an Overdraft Loan. It's a personal loan with a low fixed rate and no credit check required. 


Need something a little more than an Overdraft Loan?

Skip payday loans and apply for our Quick Cash Loan. While some states put a cap on how much interest payday lenders can charge, Texas is not one of them. Interest rates in Texas on a payday loan can go as high as 662% on as little as $300 borrowed!

With the Quick Cash Loan at Neighborhood Credit Union, members will have up to six months to pay off their loan, giving them more time to get ahead. And no credit check is required, that way you don’t have to worry about your application affecting your credit score. 
 

Apply Online

Apply for a loan online in under 10 minutes.


Personal Loan Rates

Rates Effective: August 13, 2021. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit. 

Term Rate
Unsecured Line of Credit
36 months or Less As low as 6.99% APR
37 – 60 months As low as 7.99% APR
Unsecured Personal Loans
36 months or less As low as 6.99% APR
37-60 months As low as 7.99% APR
Quick Cash Loan Fixed rate of 28.00% APR
Overdraft Loan Fixed rate of 18.00% APR
Projects Plus Home Loan View Rates



Two women with arms around each other walking in fieldRefer a Friend, Earn Cash

Through our Member Referral program, whenever you refer a new or existing member to Neighborhood CU for a Personal or Auto Loan, you can receive $100.00 when the loan has been funded!









Home improvement with a personal loan?

Our Projects Plus Home Loan is classified as a personal loan, making it a simple lending process on both borrower and lender. Finally get that pool, invest in solar panels, or start those improvements.