OnPath Credit Union
Personal Loans
One of the many financial products we offer here at OnPath Federal Credit Union is a personal loan. This type of financing is issued to individuals for non-commercial purposes such as consolidating debt, paying off bills, paying for moving expenses or making a large purchase. You receive the total amount in one lump sum, then make fixed payments each month. It's secure and easy to apply and get your secured or unsecured loan approved online. Check out our competitive rates.
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Personal Loans
| Product | Term | APR* |
|---|---|---|
| Signature Loans | 24 Months | 12.95% |
| 36 Months | 13.50% | |
| 60 Months | 15.00% | |
| Stretch Loan LOC | 12.00% | |
| Credit Enhancement Loan | 17.95% | |
| Borrow and Save | 17.95% | |
| Debt Consolidation | As Low As | 13.00% |
| Wheels to Work | 17.95% | |
| Emergency Loan | As Low As | 10% |
Why Get a Personal Loan?
Personal loans allow people to take advantage of opportunities they may not otherwise be able to. For example, most people don’t have the cash-on-hand to make a large purchase, like a laptop or school uniforms for school. Loans can help you make necessary purchases while staying within your budget.
This type of loan can also be secured or unsecured. If you choose the latter, there are no collateral requirements, which means no risking valuable assets such as a home or vehicle in the event of default.
What Kind of Personal Loans Are Available?
OnPath Federal Credit Union offers a variety of loans to our members:
- Promotional Personal Loans with an APR as low as 6.00%* APR for 12 months
- Signature Loans for 60-month, 36-month, and 24-month terms with APRs as low as 15.49%, 13.49%, 12.49%, respectively.
Wondering how low your monthly payment is? Check out our personal loan calculators here.
What Are the Benefits?
Why apply for a personal loan over alternative lending options? First, this type of financing is incredibly flexible, so you can apply the funds exactly how you want. Second, as a credit union member in good standing, you may be approved for financing even if your credit history isn’t ideal. Finally, personal loan rates are usually lower than other financing options, especially where unsecured lending is concerned.
What Is the Application Process?
When you apply for financing with OnPath Federal Credit Union, we gather information on your credit history, income, and current financial obligations. This allows us to determine your rate and make a competitive offer. You can apply in person at any of our 11 branches or online here.
Our professionals can help you find the right type of loan based on your needs and financial situation. We’re dedicated to providing our members with reliable funding.
Why Choose Us?
When you need access to funds, you want a dependable lender that offers fair terms and competitive rates. At OnPath Federal Credit Union, you get excellent customer service and expert. For more information, give us a call at 800-749-6193.
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% 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 $8.61 per month, per $100 based on rate of 6.0% for 12 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.