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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

Work. Life. Balance!
Now until June 30th, get 1% APR off your qualified rate on a vacation personal loan.*

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 twelve 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: October 20, 2023. Personal Loan: Credit application is required. Must be 18 years of age or older and a member of Neighborhood Credit Union. Terms from 0 months to 60 months. Rates range from as low as 10.99% APR up to 17.99% maximum APR. Rates, terms and conditions are subject to change and may vary based on credit worthiness. Interest begins accruing the day the loan is funded. Restrictions may apply. (Repayment Example: The payment on a $10,000 loan would be $217.37 per month at a non-variable interest rate of 10.99% APR with a 60 month term. This equates to $3,042.46 over the life of the loan.) Membership required with a $25 minimum deposit. Equal Opportunity Lender.

Term Rate
Unsecured Line of Credit
Revolving As low as 10.99% APR
Unsecured Personal Loans
36 months or less As low as 10.99% APR
37-60 months As low as 11.99% APR
Quick Cash Loan Fixed rate of 28.00% APR
Overdraft Loan Fixed rate of 18.00% APR
Projects Plus Home Loan View Rates

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Refer a Friend, Earn $200 Cash

Through our Loan Referral Program, whenever you refer a new or existing member to Neighborhood CU for an Auto loan, you can receive $200 and $100 for a Personal loan!

Home improvement with a personal loan? That's Projects Plus!

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.