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 or personal line of credit. 

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. 

Personal loan options include:

Signature Personal Loans

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

Unsecured Line of Credit

  • Fixed interest rate based on your credit score
  • 2 year draw period
  • 60 month amortized payment on each draw or minimum payment no less than $25


Existing Members Apply Here New Members Apply Here

 christmastree Holiday Loans Just for You!

Needing some extra cash this holiday season? Holiday Loans from UKFCU are affordable and easy with rates starting at 9.49%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 $215 a month

Holiday Loans are great for holiday gifts, travel, or special celebrations! Holiday Loans offer a simple solution to those added expenses as you celebrate this holiday season with 12 months to repay! 

*Annual Percentage Rate is 9.49%APR and subject to change. Examples in the ad are based on fixed 9.49%APR for 12 months. Interest rate is based on creditworthiness. Minimum loan amount is $1,000, up to $2,500. Repayment term is set at 12 months. All loans are subject to approval. Membership eligibility required. Other restrictions may apply. See a representative for details. Limited time offer. Federally insured by NCUA.

Existing Members Apply Here New Members Apply Here

lock Share Secured Personal Loans 

  • Secured by either your share savings account or share savings certificate
  • Up to 120-month term
  • 50% secured and 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