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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.

Husband and wife on the beach with two kidsLine 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.


*Must be 18 years of age or older and a member of Neighborhood Credit Union. Credit application and approval required. Loan amount will be determined by credit qualifications. Total repayment amount based upon amount borrowed, interest rate and amount of time it takes to pay off the loan. Offer valid for a limited time only. Must use promo code COVIDHELP on application. Does not apply to personal loans currently financed through Neighborhood Credit Union. Up to 90 Days No Payments based on credit approval and interest begins accruing the day the loan is funded.

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

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.