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 | 9.24% |
| 36 Months | 10.24% | |
| 60 Months | 12.24% | |
| Promotional Signature Loan | 12 Months | 6.00%*** |
| Stretch Loan LOC | 12.00% | |
| Credit Enhancement Loan | 17.95% | |
| Borrow and Save | 17.95% | |
| Debt Consolidation | Promotional Rate | 6.99% |
| 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. Promotional rate as low as 6.00% reflects 12-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 $91.23 per month, per $1000 based on rate of 6.00% for 12-month term and a $60 loan fee. Other terms and conditions may apply. Membership eligibility applies. Offer valid from 10.1.21-12.31.21. Federally insured by the NCUA. Call 504.733.7274 or 800.749.6193 for details.
Apply Online for a Debt Consolidation Loan
Consider it One and Done! Consolidate all your debt at a rate as low as 6.99% apr*.
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.
- 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 3.49% APR* |
| Used Auto Loans | As low as 4.24% APR* |
| Promotional Auto Loan** | As low as 1.99% APR** |
| Promotional Auto Loan*** | As low as 1.00% 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.
***APR = Annual Percentage Rate. Introductory rate as low as 1.00% APR reflects 24-month term, includes discounts, and is based on applicant meeting certain criteria. Estimated payment is $421.00 per month, per $10,000 based on rate of 1.00% APR for 24 months.
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.
