OnPath Credit Union
Lending
We offer a wide variety of personal lending options for all types of credit. Take advantage of our low rates based on your creditworthiness. Get a personal loan and use the funds for emergencies, new appliances, school expenses, a vacation and more! For more than 60 years, OnPath Federal Credit Union has been providing members in the New Orleans Metro Area with lending solutions. Whether you need a personal or debt consolidation loan, you can count on us to give you a helping hand. Get started with a secure online application today!
Personal Loans
Take control of your finances with a Personal Loan. Apply securely online and get a quick decision.
- Low, competitive rates
- Unsecured or secured
- Fast, secure online application
| Product | Term | APR* |
|---|---|---|
| Signature Loans | 24 Months | 8.99% |
| 36 Months | 9.99% | |
| 60 Months | 11.99% | |
| Debt Consolidation | 12 Months | 6.99%*** |
| Stretch Loan LOC | 12.00% | |
| Credit Enhancement Loan | 17.95% | |
| Borrow and Save | 17.95% | |
| Wheels to Work | 17.95% |
* APR = Annual Percentage Rate. "As low as rate" is subject to borrower's credit history, repayment term and collateral. Rates are subject to change without prior notice and may be different than stated above.
** Promotional Personal Loan Rates: APR= Annual Percentage Rate. Promotional rate as low as 6.25% reflects 24-month term, includes all discounts, and is based on applicant meeting certain credit criteria. All rates subject to change without prior notification. Rates may be as high as 17.95% depending on information obtained from your credit application and credit report. Estimated payment is $4.44 per month, per $100 based on rate of 6.25% for 24 month term. Other terms and conditions may apply. Limited time offer. Federally insured by the NCUA. Call 504.733.7274 or 800.749.6193 for details.
***APR= Annual Percentage Rate. Offer valid from 02.09.2021 through 04.09.2021 for a Debt Consolidation Personal Loan. An introductory rate of 6.99% APR is applicable for 12 months. Following the promotional period, the standard APR is between 8.75% and 12.24% and will vary based on credit score, final term, and loan amount accepted. An estimated payment schedule could be as follows: A $25,000 Debt Consolidation Personal Loan is approved for 10.64% at 60 months, would be financed for the first 12 months at 6.99% APR with a monthly payment of $119.81, including a $60 processing fee. After the introductory period is over the payments would be at an APR of 10.24%, which would yield a monthly payment of $139.38. This example is for illustrative purposes only. The examples and rates are not a guarantee, agreement, or commitment to loan funds or extend credit. Approved loan amount dependent on verification of gross monthly income. The minimum loan amount is $5,000.00. Debts must be six months or older and show on your credit score to qualify. Credit Scores below 690 may be subject to controlled disbursement. Offer not valid on current loan or credit card balances held with OnPath FCU. Normal lending guidelines apply. Membership eligibility applies. Terms and conditions subject to change based on market conditions and borrower eligibility. Visit BeOnPath.org or call 504.733.7274 for details. Federally insured by the NCUA.
Home Improvement Loans
Your next remodeling project is easier than saying D.I.Y.
Learn more about our Home Improvement Loans
- Home improvement loans up to $25,000.
- No application fees
- No closing costs
- Fast, secure online application
- Get cash the same day
Shared Secured Loans
Secure your loan with your shared savings account.
- No credit check required
- Low rate
- Secured by funds in your savings account
- Fast & easy application
Auto & Recreational Vehicle Loans
New, used or refinanced - get great financing before heading into the dealership.
- Competitive rates
- Terms up to 84 months
- Preferred dealer discounts and specials
- Refinancing available
Learn more about our Auto Loans
| Loan Type | Rate |
|---|---|
| New Auto Loans | As low as 3.24% APR* |
| Used Auto Loans | As low as 3.49% APR* |
| Promotional Auto Loan** | As low as 1.99% APR** |
*APR = Annual Percentage Rate. ($20,000 minimum for 72 months) No other discounts apply. Up to 84 month term allowed with ancillary products, payment protection, GAP and/or warranty.
** Promotional Auto Loan APR: APR = Annual Percentage Rate. Introductory rate as low as 1.99% APR reflects 36-month term, includes all discounts, and is based on applicant meeting certain credit criteria. Estimated payment is $29.00 per month, per $1,000 based on rate of 1.99% APR. Other terms and conditions may apply. For more details, contact 504.733.7274 or 800.749.6193. Limited time offer. Insured by the NCUA.
Learn more about our Motorcycle, ATV, and Jet Ski Loans
| Loan Type | Rate |
|---|---|
| New and Used Vehicles | As low as 5.88% APR* |
*APR = Annual Percentage Rate. ($20,000 minimum for 72 months) No other discounts apply. Up to 84 month term allowed with ancillary products, payment protection, GAP and/or warranty.
Learn more about our RV Financing and Boat Loans
| Loan Type | Rate |
|---|---|
| New and Used Boats and RVs | As low as 5.48% APR* |
*APR = Annual Percentage Rate. ($20,000 minimum for 72 months) No other discounts apply. Up to 84 month term allowed with ancillary products, payment protection, GAP and/or warranty.
Payment Protection
In the event you become injured or ill or incur an unexpected death, payment protection an optional product accessory offered through OnPath Federal Credit Union can help cover the cost of your loan. In other words, when something happens out of the blue, OnPath Federal Credit Union will pay your personal loan so your loved ones dont have to.
Gap insurance covers the difference between your vehicles current value and your loan balance if your vehicle gets stolen or totaled. OnPath Federal Credit Union will also give you $1,000 to put toward a new vehicle (purchase must take place within 60 days of the date of loss and be financed with OnPath FCU).
Enjoy great discounts on Car or Home insurance with TruStage.
Forever Car
Members save an average of 25% on mechanical repair coverage from OnPath FCU powered by ForeverCar.
