user Personal Loans

Life happens. Sometimes you need a loan unrelated to home improvement or a new car. Many people do not own a home in order to draw on a home equity loan. If your needs don’t fall into one of our standard loan categories, UKFCU can help you find the right personal loan.

Personal loans give you the flexibility to borrow money to pay for things other than a house or car. With a personal loan from UKFCU, you can use the money however you need. Options include Signature Personal Loans, Vacation Loans, Share-Secured Personal Loans and CreditSMART Loans.

Signature Personal Loans

  • Interest rate based on your credit score
  • Up to 60-month term
  • Unsecured

Existing Members Apply Here New Members Apply Here

 departure Vacation Loans

Need some extra cash for that dream vacation? Vacation Loans from UKFCU are affordable and easy with rates starting at 9.99% APR*!!

  • Borrow $1,000 with payments as low as $88 a month
  • Borrow $1,500  with payments as low as $132 a month
  • Borrow $2,500 with payments as low as $220 a month

Vacation Loans are great way to help cover travel expenses or to use for special celebrations. Vacation Loans offer a simple solution to those added expenses while offering 12 months to repay. Go ahead and start planning your vacation today!

*Annual Percentage Rate. Rate as low as 9.99% based on creditworthiness. A credit score of 760 or higher is required to qualify for this rate. Minimum loan amount is $1,000 up to $2,500. Repayment term is set at 12 months. Examples in ad are based on fixed 9.99% APR for 12 months. Membership eligibility required. See a representative for details. All loans are subject to approval. Other restrictions may apply.

Existing Members Apply Here New Members Apply Here

lock Share Secured Personal Loans 

  • Secured by either your share savings account or savings certificate
  • Up to 120-month term
  • 100% secured loans available

checkclipboard CreditSMART Loans

Establish the credit you need for a smart financial future with a UKFCU CreditSMART loan.

Here’s how it works:
Step 1: Borrow a minimum of $1,000, with a term of 12-24 months.
Step 2: Funds are placed into a savings account to earn interest.
Step 3: Make monthly payments until the loan is paid off. 
Step 4: Withdraw your funds or leave them to earn more interest. 

It’s that easy!

Current Rates