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Personal Loans

Personal Loans

Trusted. Fast. Simple. We've got you covered with the right Personal Loan tailored to you.

Get Started Check Rates

Ready for a vacation? Want to consolidate debt? Or, pay for a home improvement project? Trust CEFCU to meet your needs.

Why choose CEFCU for a Personal Loan?

We offer:

  • Fixed low rates
  • Flexible terms
  • Deposit straight to your CEFCU account
  • eSign — apply from your couch!

How Can a CEFCU Personal Loan Benefit You?

woman reading more information about how personal loans can benefit her comfortably on her couch

Easy and quick loan process!

  1. 1
    Check rates. Personal Unsecured Loans start at 11.25% APR footnotes 1.
    See our rates for other loan types at cefcu.com/rates.
  2. 2
    Easy to apply!
    Visit cefcu.com/apply, or log into your CEFCU On-Line® or Mobile Banking, navigate to the “Apply Now” menu, and select the “Personal Loan” option. Complete and submit your application.
  3. 3
    Get your funds!
    Once approved, eligible members can receive the money conveniently deposited into their CEFCU account.

Features & Benefits

Debt Protection with Life Plus

Cancel or reduce an existing loan balance or payments. Extend your Debt Protection to address a wide range of circumstances, such as disability and involuntary unemployment.

Calculators

Figure payments and more.

Online Banking

Check balances, transfer money, and more 24/7.

1. Rate available to well-qualified borrowers. Term varies based on principal amount borrowed. Minimum loan amount $1,000.

Available rates as of June 11, 2024.

CEFCU offers rates between 11.25% and 23.25% for standard terms of 12 to 60 months.

A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 48 months, with an interest rate of 22.75%.  CEFCU does not have any origination fees so the APR/Rate is the same.  In this example, the borrower's maximum total cost will be $15,315.72 if payments are made on time.  If the borrower receives a loan of $10,000 for a term of 48 months at an interest rate of $11.75%, the minimum total cost is $12,579.99 if payments are made on time.  Your APR will be determined based on your credit and other factors provided in your loan application.  Not all applicants will be approved.

Payment Example: A loan amount of $10,000 for 36 months at 11.25% APR has a payment of $328.53 and interest of $1,826.94.  A loan amount of $10,000 for 36 months at 22.25% has a payment of $383.10 and interest of $3,791.47.