Personal Loans

Flexible loans for that new appliance, quick access to funds, or to consolidate your debt.

Apply online

When Life Calls, Our Personal Loans Are Here to Answer

Compare our personal loan features and interest rates to find the option that best fits your needs.

A Smarter Purchase with Our Low Interest Personal Loans

Our Personal Loans are a great alternative to in-store financing. If you’re planning to buy a computer or appliance—something that falls between a small credit card purchase and a home equity line of credit investment—check out our low, fixed-rate Personal Loans.

A Unitus Personal Loan offers:

Easy application and quick response
Local service from Unitus
Competitive interest rates
Terms up to 60 months*
Qualifies you for access to your FICO® Score

Personal Loans

Credit Score	APR*
APR = Annual Percentage Rate. Rates are based on your credit history and credit qualifications. Maximum loan repayment period is 12 months per $1,000 borrowed, up to 60 months with no minimum loan amount. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)* Disclosures (PDF) »
740+	7.99%
739 - 700	8.49%
699 - 660	10.99%
659 - 610	11.99%
609 - 560	15.99%
559 or below	16.99%

Need Extra Cash? Get a KWIK Personal Line of Credit

When you need some extra funds, turn to the Unitus KWIK Personal Line of Credit Loan. You can access your funds online, over the phone, and in person. You can also use the KWIK for overdraft protection on your Unitus checking account.

A KWIK – Personal Line of Credit offers:

Easy application and quick response
Local service from Unitus
Competitive interest rates
Quick access to funds
Variable rate
Qualifies you for access to your FICO® Score

KWIK - Personal Line of Credit

Credit Score	APR*
*APR = Annual Percentage Rate. Rate is Variable. Revolving repayment period. $100 minimum loan amount. Margin ranges 2.50% to 10.00%. Disclosures (PDF) »
720 +	9.50%
719 - 680	9.50%
679 - 650	9.50%
649 - 620	9.50%
619 or below	14.25%

Get out of Debt Faster with an Ultimate Payoff Loan

The Ultimate Payoff Loan is aimed at helping our members quickly consolidate credit card debt and pay it off faster. This loan consolidates your smallest balance credit cards into a short-term (18-months or less) personal loan with a fixed interest rate.

Specifics to qualify:

Minimum loan amount is $2,500; maximum loan amount is $5,000
Maximum total unsecured debt is $15,000
Minimum Gross monthly income is $2,000
Debt must be paid off in order from smallest to largest; no cash to borrower

Ultimate Payoff Loan

Credit Score	APR*	DPR
Minimum loan amount is $2500, maximum loan amount is $5000 to be used for consolidation of existing debt only. A credit score of 640 or better is required. Repayment period is up to 18 months. *APR = Annual Percentage Rate. The annual percentage rate shown includes only interest and does not contain other costs or fees. Disclosures (PDF) »
740 +	8.99%	0.0246%
739 - 700	8.99%	0.0246%
699 - 660	8.99%	0.0246%
659 - 640	8.99%	0.0246%

Loan Protection

Protect your family, property and credit rating should you experience a sudden loss in income.

Learn how to add Loan Protection for your Unitus loan

Apply online

Take Control of Your Finances

Did you know Unitus offers an online personal financial management tool? Total Finance helps you more easily manage your money and get a clear view of your personal finances.

Learn more about Total Finance