Personal Loans and Lines of Credit

Get the cash you need quickly and easily. Whether you're tackling home repairs, planning a family vacation, investing in education, or looking to consolidate debt, we have a credit union personal loan or line of credit that fits. Explore our types of personal loans below including our Signature Loan, Advanced Line of Credit, Credit Builder Loan, and Share Secured Loan options.

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Find the kind of personal loan or line of credit that works for you.

Signature Loan (Fixed-Rate Personal Loan)

A personal loan with a fixed rate and flexible terms so you know exactly what you'll pay. Whether you choose a personal loan vs. a line of credit, our Signature Loan gives you one predictable payment that's great for home repairs, vacations, or paying down debt.

90 Days
Payment Free1

Advanced Line of Credit

A credit union line of credit that gives you flexible access to funds when you need them. If you're deciding between a personal line of credit vs. a loan, our Advanced Line of Credit works well for ongoing or unexpected expenses. Plus, only pay interest on what you use.

You Pay
Zero
Application Fees

  • Available access of $500 to $30,000
  • Low variable interest rate3
  • Manage within Digital Banking

Credit Builder Loan

A personal loan to build credit while growing your savings at the same time. Our Credit Builder Loan is designed to help you improve your credit score step by step. It's one of the simplest ways to build credit and save money at the same time.

Get a Low
Fixed
Interest Rate

  • No application fee
  • Improved credit score
  • Build savings as you go

Share/Certificate Loan

Lock in a lower rate by borrowing against your savings or certificate. A share secured loan or certificate secured loan lets you use savings you've already built to get a lower rate. It's one of the most affordable ways to borrow at a credit union.

Up To
60-Mos
Term4

  • Low fixed interest rate
  • No application fee

Estimate your personal loan or line of credit payments.

Use our calculator to see what a credit union personal loan could cost you each month.

The loan calculator is an estimation tool to help the user understand what it may take to pay back a theoretical loan. Not all terms provided by or entered into the loan calculator may be offered by the Credit Union. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, collateral conditions, and other factors. The loan calculator estimates are not loan quotes. They may or may not be representative of your personal circumstances. The estimate is not a guarantee for a loan. Not all borrowers or loans will be eligible for the interest rates. Subject to credit approval.

Simplify your debt with one easy payment.

If you're juggling multiple payments, a debt consolidation loan from Advia Credit Union could help. Combine what you owe into one personal loan with a fixed rate and a clear payoff plan. It's a simple way to take control of your finances.

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Not sure which option is right for you?

Whether you're comparing a personal loan vs. a line of credit or just exploring types of personal loans, our team can help you find the right fit.

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  1. Interest begins to accrue at the time of disbursement.
  2. Advantage Plus Personal Loan rate reduction = 0.75% Annual Percentage Rate on personal loans only for the life of the loan; additional 0.25% APR discount if automatic monthly payments elected prior to first scheduled payment. Combined discounts may not go below floor rate at time of loan; offer excludes Home Equity Loans and Lines of Credit, Business/Commercial Loans, Mortgages, and Visa® Credit Cards. Must be 18 or older to apply.
  3. Variable rate product and Annual Percentage Rate may change quarterly based on the value of an index of Prime Rate as stated in the Wall Street Journal as of the last business day of each quarter. A quarter is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. APR is equal to: as low as Prime +3.75%.
  4. 12–60-month term based on the CD term. Fixed Annual Percentage Rate. No downpayment required. Estimated monthly payment for $10,000 loan for 48 months at 4.00% APR is $225.81. Loan rate is 2% above existing CD rate; however, rate cannot be lower than floor rate. A full payment is due monthly; cannot come from a Savings Pledge.

All offers and rates are subject to change at any time. Rate and terms may vary based on creditworthiness of borrower. All loans subject to approval. Floor rates and restrictions apply.