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 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.
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 |
Refer 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 up to $200 when the loan has been funded!
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.