Two Options for the Season
From gifts to gatherings and trips back home, explore two loan options for your holiday plans. Choose an amount and payment that fit your budget.
Big plans for the season? Put our discounted rates to work for your holiday expenses.
As low as
With excellent credit and the maximum 1.00% in qualifying rate discounts.
A little extra for the season. Cover smaller holiday expenses with a loan from $500 to $2,000.
With a checking account relationship
28.00% APR without a checking account relationship.
¹Must be 18 years or older and a member of Neighborhood Credit Union. Credit application and approval required. Maximum term of 12 months. Minimum loan amount is $2,001 and a credit score of 630 or higher required. Additional 1% APR discounts available include an established direct deposit totaling of $500 or more with a checking account (0.30%), automatic payments (Auto Pay) (0.15%), and refinancing your auto loan currently financed with another lender (0.55%). Final APR cannot be lower than the floor rate of 6.49% APR. Lowest advertised rate based on excellent credit. Payment Example: Monthly payment is approximately $86.52 per $1,000 borrowed for a 12 month personal loan at 6.49% APR. Rates subject to change prior to loan funding. Not eligible for the Skip-a-Payment program. Only one Holiday Loan can be open at a time. Member's accounts must be in good standing to qualify for loan. Current loans cannot have delinquencies within last 12 months. Members with open Overdraft Loans are not eligible. Late payment fees assessed separately. Other restrictions may apply. Offer ends 12/31/2026 at 11:59pm Central Time. Equal Opportunity Lender.
²Must be 18 years or older and a member of Neighborhood Credit Union. Credit application and approval required. Maximum term of 12 months. Minimum loan amount is $500 with a maximum of $2,000. A rate discount to 18% APR will be granted to funded loans with a checking account relationship else the APR will be 28%. Payment Example: Monthly payment is approximately $92.33 per $1,000 borrowed for a 12 month personal loan at 18% APR. Rates subject to change prior to loan funding. Not eligible for the Skip-a-Payment program. Only one Holiday Loan can be open at a time. Member's accounts must be in good standing to qualify for loan. Current loans cannot have delinquencies within last 12 months. Members with open Overdraft Loans are not eligible. Late payment fees assessed separately. Other restrictions may apply. Offer ends 12/31/2026 at 11:59pm Central Time. Equal Opportunity Lender.
Neighborhood Credit Union Personal Loans
Consolidating bills, planning a trip, or handling a home or auto repair? A personal loan can help you spread out the cost. Explore our lower personal loan rates and find a borrowing option that fits your needs and budget.
Need ongoing access to funds, a loan secured by your savings, or financing for a larger home project? Explore these options.
Access an approved credit limit through withdrawals, Online Banking, and overdraft protection.
Use funds in your savings, CD, or Money Market account as collateral for a loan while continuing to earn dividends on your deposited funds.
Planning a pool, solar panels, or another major home improvement? Explore financing for larger home projects with no home visit required.
Explore a fixed-rate loan designed to help address an overdrawn checking account. No credit check is required.
Rates Effective: November 6, 2026. Personal Loan: Must be 18 or older and a member of Neighborhood Credit Union. Credit application and approval required. Minimum loan amount of $2,001 required. Lowest advertised rate dependent on excellent credit and reflects the maximum 1.00% rate discount. Lowest loan rate is available by qualifying for applicable discounts. Eligible discounts include having an established direct deposit totaling $500 or more with a checking account (0.30%), setting up automatic payments (Auto Pay) (0.15%), and refinancing your auto loan currently financed with another lender when funding a new unsecured personal loan (0.55%). Rates subject to change prior to loan funding. Equal Opportunity Lender.
| Term | Rate |
|---|---|
| Unsecured Line of Credit | |
| Revolving | As low as 12.99% APR |
| Unsecured Personal Loans | |
| 12 months or less | As low as 6.49% APR |
| 13-24 months | As low as 7.74% APR |
| Overdraft Loan | Fixed rate of 18.00% APR |
| Personal Loans Plus | As low as 9.74% APR |
