Personal Loans
Helping you reach your financial goals.
Whether you're consolidating debt, improving your credit, or achieving a financial goal, personal loans from HealthCare Associates Credit Union can help turn your dreams into reality.
Perks of a personal loan with HACU:
- Secured and unsecured options
- No prepayment penalties
- Competitive rates
PERSONAL LOANS
*% as low as |
| APR |
9.90%* |
HACU Signature Loans
This traditional personal loan offers you the flexibility to borrow money for unexpected expenses, debt consolidation, financial goals, and more—all without requiring a savings account as collateral.
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Share Secured Loans
| SHARED SECURED LOANS |
| APR |
4.00% |
This is a great option if you're looking to boost your credit score or cover an important expense without dipping into your savings. With a Share Secured Loan, you can use your funds at HealthCare Associates to secure a loan at a low interest rate while still earning interest on your deposits. It’s a win-win!
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Credit Builder Loans
Building or repairing credit takes time, but our Credit Builder Loan can help you get started while also boosting your savings.
CREDIT BUILDER LOAN
from $500 - $5,000 |
| APR |
5.00% |
Here's how it works:
- Apply For a Loan: The loan funds are securely held in a certificate as collateral. Once the loan is fully paid off, the funds are released and transferred directly into your primary savings account, making them yours to use.
- Build Credit: Your positive repayment history is reported to credit bureaus, potentially helping to improve your credit scores.
- Access Your Funds: Once the loan is paid off, the funds from the Certificate Account transfer to your primary Savings Account.
While this loan won’t instantly fix your credit, it’s a solid step toward building or rebuilding your financial standing.
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Personal Loan Resources
When does it make sense to get a personal loan?
With so many financial products available to choose from, it can be challenging to know what kind of loan, if any, is right for you. When sorting through your options, you may find that a personal loan is the one that best fits your needs. A personal loan provides you with a lump sum—a large payment made at one time, as opposed to broken up installments—to use for just about anything. You then repay that loan over a series of fixed monthly payments.
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Personal Loans:
*APR = Annual Percentage Rate. 9.90% APR is only available for Signature Loans with terms from 12-24 months. Rates vary based on credit score and not all borrowers will qualify for the lowest rate. Lowest APR 9.90%. Maximum APR 24.00%. Minimum term 12 months- Maximum term 60 months. Payment example: A Signature Loan with an interest rate of 9.90% = 12 monthly payments of $87.88 per $1,000 borrowed. Creditworthiness and terms determine your rate on a Signature Loan. Rates and offers are subject to change and cannot be combined with any other offers. Flexible payment options are available for qualifying members. Usual credit criteria apply. Contact HACU for complete details.
Secured Personal Loans:
*APR = Annual Percentage Rate. 4.00% APR is only available for Secured Personal Loans with terms from 12-24 months. Lowest APR 4.00%. Maximum APR 24.00%. Minimum term 12 months- Maximum term 60 months. Payment example: A Secured Personal Loan with an interest rate of 4.00% = 12 monthly payments of $85.12 per $1,000 borrowed. Rates and offers are subject to change and cannot be combined with any other offers. Flexible payment options are available for qualifying members. Usual credit criteria apply. Contact HACU for complete details.
Credit Builder Loans:
*APR = Annual Percentage Rate. 5.00% APR is only available for terms from 12-24 months. Minimum term 12 months- Maximum term 24 months. Payment example: A Credit Builder Loan with an interest rate of 5.00% = 12 monthly payments of $85.61 per $1,000 borrowed. Rates and offers are subject to change and cannot be combined with any other offers. Usual credit criteria apply. Contact HACU for complete details.
