Personal Loans
Explore personal loans for all of life's milestones.
Not sure what to choose? Let us help.
Choosing the right loan doesn’t have to be overwhelming. At UMCU, we offer a variety of personal loan options tailored to fit your goals—whether you’re planning something exciting, tackling unexpected expenses, or working on your financial wellness. We’re here to make the process simple, transparent, and personalized to your needs.
Check out the My Choice Loan
- Borrow up to $50,000 based on creditworthiness*
- Flexible Terms - Repayment up to 60-months
- Fast and easy application - takes minutes to complete
- Flexibility - use the funds however you see fit
- Predictable monthly payments - Fixed-rate loan for easy budgeting
- No collateral required
Our Home Improvement Loan
- Competitive interest rates
- No collateral or lien required
- Borrow up to $50,000 based on credit worthiness*
- Use funds for anything related to improving your home: repairs, renovations, or furniture and other items for the home
- Fixed-rates for easy budgeting and predictable monthly payments
- A fast and easy application process
The Technology Loan
- Borrow up to $3,500
- Get 0.00% APR for 90 days*. 4.99% APR after 90 days
- Maximum 36-month term
- Fixed rates for predictable monthly payments
- A fast, easy application process
The Build My Credit Loan
The My Choice Loan
- Borrow up to $50,000 based on creditworthiness*
- Flexible Terms - Repayment up to 60-months
- Fast and easy application - takes minutes to complete
- Flexibility - use the funds however you see fit
- Predictable monthly payments - Fixed-rate loan for easy budgeting
- No collateral required
The Technology Loan
- Borrow up to $3,500
- Get 0.00% APR for 90 days*. 4.99% APR after 90 days
- Maximum 36-month term
- Fixed rates for predictable monthly payments
- A fast, easy application process
Disclaimer
*Actual APR determined by credit history, approved loan amount and loan term.
**All Technology loans will be charged 0% interest during the first 90 days; actual rate after 90-day introductory period will be 4.99%. Maximum loan amount $3,500. Contact UMCU for details about maximum terms of repayment. A UMCU checking account and UMCU debit card are required to fund the loan. Subject to credit approval. Additional limitations, terms and conditions apply, and are subject to change without notice.