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Personal Loans

Together, let's find the right loan for you.

A young couple kayaks and smiles

Looking for a loan that is specific to you?

Whether you’re looking for a loan to consolidate debt, rebuild credit or another reason, we can help you determine the loan type that will fit your budget and help you meet your goals.

An Educators Credit Union personal loan can help you:

  • Dollar Sign 2

    Consolidate Debt

  • Investment Services

    Rebuild Credit

  • Gift Box

    Make a Large Purchase

  • House Improvements

    Pay for Home Improvements

  • Alerts

    Handle Emergency Expenses

Gain control over your personal finances

Credit Rebuilder loans are used to pay-off collections, judgments, or past due accounts on your credit report.

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  • APR1

    APR1

  • Pmt Per $1,000

    Pmt Per $1,000

  • Maximum Term

    Maximum Term

Credit Rebuilder Loan ($2,000 max.)

  • APR1

    19.90%

  • Pmt Per $1,000

    $37.10

  • Maximum Term

    1-3 Years

Rates

Personal & Student Loans

Type

APR1 as low as

Payment per $1,000 as low as

Maximum Term8

APR1 = Annual Percentage Rate. Share Savings Secured Rate is 3% above the current Savings Rate.
8Payment per $1,000 borrowed based on maximum terms and stated rate.
9Rates and terms may vary based on credit score and final loan amount. Share Savings Secured rate is 3% above current Savings rate. Other restrictions may apply.

Type

Unsecured Personal Loan

APR1 as low as

10.90%

Payment per $1,000 as low as

$21.71

Maximum Term8

5 Years

Type

Share Savings Secured9

APR1 as low as

3.06%

Payment per $1,000 as low as

$18.00

Maximum Term8

5 years

Type

Share Certificate Secured

APR1 as low as

3% over Share Certificate Rate

Payment per $1,000 as low as

-

Maximum Term8

Certificate Term

Type

LendKey Consolidation Loan

APR1 as low as

7.75%

Payment per $1,000 as low as

$9.43

Maximum Term8

15 Years

Type

LendKey In-School Loan

APR1 as low as

7.75%

Payment per $1,000 as low as

$9.43

Maximum Term8

15 Years

Type

Credit Rebuilder Loan ($2,000 max.)

APR1 as low as

19.90%

Payment per $1,000 as low as

$37.10

Maximum Term8

1-3 Years

Type

Rapid Relief

APR1 as low as

19.90%

Payment per $1,000 as low as

$176.37

Maximum Term8

6 Months

Calculators

More Detailed Information

If you are using your new Educators personal loan for consolidation purposes, we will need the following:

Information required if paying off a credit card:

Your most recent statement with the following information:

  • Creditor name
  • Account number
  • Balance/payoff amount
  • Address of where to mail the payoff check

Information required if paying off an INSTALLMENT LOAN:

A 10-day payoff letter with the following information:

  • Name of the financial
  • Account number
  • 10-day payoff amount
  • Per diem (One day’s worth of interest)
  • Address of where to mail the payoff check

To verify your income, please provide us with one month worth of your most recent pay stubs from your current employer. This can be:

  • Two pay stubs if you are paid bi-weekly.
  • Four official pay stubs if you are paid weekly.
  • One pay stub if you are paid monthly.

If you are self-employed, please provide us with your two most recent annual tax documents.

If you have rental income, please provide us with your two most recent annual tax documents.

Additional documents may be required.

To join through Educators Video Banking  you will need:

  • Your Social Security Number (SSN) or Individual Tax Identification Number (ITIN).
  • A digital photo of your current, unexpired state-issued driver’s license, state-issued ID or passport with your current address.
  • Proof of address is needed if it’s different than the address listed on your ID. Proof of address can be on a statement from another financial, utility bill, government document, etc.
  • A $5 minimum deposit to open your Prime Share Savings, and/or a $20 minimum deposit to open your checking account.

If one of these situations apply to you, please visit any Educators Credit Union branch to apply for membership:

  • You are under the age of 18.
  • You are opening a fiduciary account. (Fiduciary accounts include trust accounts, custodial accounts, guardianship accounts, representative payee accounts, funeral trust accounts, estate accounts and Coverdell Educational Savings (ESA) Accounts.)
  • You want to open a business account.
  • When verification/proof of address is requested, please provide one of the following to your loan officer: recent paystub, recent tax documents, recent utility bill, valid driver’s license, or mortgage documents.
  • When verification/proof of social security number is requested, please provide one of the following to your loan officer: valid social security card, recent tax documents, recent W2, or recent paystub.

Rebuild, restore or meet your goals

With a personal loan

Apply for a loan

Get the personal loan that meets your needs

Text a lending specialist.
Apply for an Educators personal loan using our online application.
APPLY TODAY

Disclosures

1APR = Annual Percentage Rate.
2Share Secured Savings Rate is 3% above the current Savings Rate.
* = Rates and terms may vary based on age of collateral, loan to value, credit score, and final loan amount.
Rates and terms are subject to change and not guaranteed.