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Your local credit union should be one of your first stops when you’re looking to borrow money, especially if you have a fair or bad credit score (689 score or lower). Credit union personal loans often have benefits over those of other lenders, including:
Typically lower interest rates.
Smaller starting loan amounts.
More flexible terms.
Loan officers willing to consider factors beyond your credit score.
Table of Contents
- See how to get your business started quickly
- See CD rates by term and type
- Find the right business loan
- What Medicare covers
- Still deciding on the right carrier? Compare Medigap plans
- Investing for kids
- Dividend definition
- Ready to get started? Here's what to do next
- What is mortgage pre-qualification?
- What is a jumbo loan?
- What is a budget planner?
- » This page is out of date
- What is a W-4?
- 6 steps to opening a Roth IRA
- Bitcoin (BTC) definition
- Can you pay the mortgage with a credit card?
- How to file your taxes: A step-by-step guide
- Mortgage rates today: Monday, April 22, 2024
- Definitions: Money Transfer Rates
- Life insurance buying guide
- What is a REIT?
- What is a financial plan?
- What is a payday loan?
- Key takeaways
- What are I bonds?
- » This card is not accepting new applications
- What is a brokerage account?
- » These offers have expired
- What is sales tax?
- Still deciding on the right carrier? Compare Medicare Advantage plans
- 5 Best Ways to Send Money Internationally
- From prison to business launch
- 1. Wait a day or two
- 2. Practice safe credit card habits
- From little credit knowledge to real estate powerhouse
- 3. Use curbside pickup
- 4. Give yourself a splurging allowance
- From $50,000 in debt to financial expert
- 5. Get an accountability partner
- 3 tips from these entrepreneurs
- What are dividend stocks?
- How much emergency fund should I have?
- What is a tax levy?
- What is a Roth 401(k)?
- Medical expense deduction 2023
- Market order vs. limit order
- If you're receiving Social Security benefits
- How much is an oil change?
- How much does a Disney+ subscription cost per month?
- What is a VA home loan?
- Virginia Housing highlights and eligibility requirements
- Apple Music subscription cost
- What is a spot Bitcoin ETF?
- How much does an Equinox gym membership cost?
- What is overdraft protection?
- About USAA home insurance
- What are biotech stocks?
- Definition of whole life insurance
- What is debt-to-income ratio?
- What is a money market account?
- What is a spousal IRA?
- 1. Standard CD: The regular box
- 5 ways to cash a check without a bank account
- What is a 401(k) rollover?
- The best pet insurance companies at a glance
- Step 1: Choose your health insurance marketplace
- What are health care stocks?
- How couples can leverage travel credit cards
- Where they’re based and where they fly
- 7 of the best apps to make money
- How do CDs work?
- Why use an SBA loan to buy a business?
- How to get TSA PreCheck for free
- Microsoft Office Excel budget templates
- How to use a savings goal calculator
- The main differences
- How car title transfer works
- Communicate the potential problems
- What is a brokered CD?
- What does tax-exempt mean?
- Background: UAW is riding a wave of union support
- What to expect flying American Airlines Main Cabin Extra
- How does the lottery work?
- 1. Certificates of deposit (CDs)
- 7 best-performing AI stocks
- How the Hilton Grand Vacation Club works
- Tier benefits
- What is Zelle?
- About Spot pet insurance
- Cruising to the Bahamas
- How voluntary repossession works
- Spotify Free
- Can you withdraw money from a 401(k) early?
- Best Medicare Advantage companies
- 1. Canadian regulations require compensation for delays over three hours
- The definition of a recession
- Preparing to buy tips
- Personal loan alternatives to Bank of America
- What is a pension plan?
- 1. Reach out to a nonprofit or charitable group near you
- Nerdy takeaways:
- How to open an IRA
- What are home equity loans and HELOCs?
- The Equal Credit Opportunity Act
- Key findings
- What is predatory lending?
- 1. Compare sites and deals
- Mobile, manufactured and modular homes: What's the difference?
- Claim United miles for past flights on the airline
- How much is YouTube TV a month?
- Home improvement loan calculator
- What is Schedule C?
- Estimated Hawaii trip cost
- The main differences between Delta Comfort Plus vs. first class
- Best stocks by one-year performance
- What are brokerage fees?
- Getting to New York City
- What is the average cost of groceries per month?
- What does APY mean?
- Hardship plans can help
- Delta Air Lines refund policy
- How Alaska seat selection works
- What is a solo 401(k) plan?
- How much are taxes on lottery winnings?
- 5 ways to save money when you fly Southwest Airlines
- What is home equity?
- 7 steps to take to open a savings account
- Indicators that it's time to expand your business
- What determines your monthly car payment?
- Step 1: Check your credit
- Most profitable small businesses
- Why is having a low credit utilization important?
- The best budget apps
- How do CDs work?
- Is the stock market crashing?
- Roth IRA contribution limits 2024
- Refinance to a lower rate
- Average car loan interest rates by credit score
- Frugal food tips
- The best car insurance
- Life insurance calculator
- Air France cabins and seats
- Minimum wage over time
- What is a home inspection?
- Delta premium economy seats
- January
- How to pay for Airbnb with points
- Create a budget plan that works for you
- 1. Sell spare electronics
- 1. Set your budget
- 1. Panera Bread
- Can you refinance an FHA loan?
- Frontier baggage fees: The basics
- Types of crypto wallets
- How to manage your money
- Finding the cheapest full coverage car insurance
- What does homeowners insurance cover?
- As if inflation weren't bad enough: Is it greedflation?
- Take stock of your credit card accounts
- What are credit freezes and credit locks?
- 1. What is a mortgage broker?
- 2023 Arizona state income tax rates and tax brackets
- When are you considered a first-time home buyer?
- What is a growth stock?
- Before shopping, take inventory
- Preparing to sell your car
- Where they’re based and where they fly
- What is backup withholding?
- General advice for international money transfers
- 1. Strengthen your financial profile
- How we found the best travel insurance
- What to do before applying for a mortgage
- Determining needs
- Best-performing REIT stocks: April 2024
- QuickBooks Online pricing
- Define and refine what you want
- What is financial planning?
- Activate quarterly 5% rewards categories
- How do payday loans work?
- What is a call option?
- Top credit cards that give instant rewards
- How much does adoption cost?
- What to expect flying economy with TAP Portugal
- How to open a gas station
- 40 best startup business ideas
- Check prices at nearby airports
- How do LLC taxes work?
- Top cards for everyday spending
- What is franchising?
- Why delivery, Uber and Lyft drivers need rideshare insurance
- What is a HELOC?
- Best-performing U.S. equity mutual funds
- How does Delta Air Lines price out award tickets?
- 50/30/20 budget calculator
- California state income tax brackets and rates
- Key differences between Oahu and Maui
- 6 best free stock screeners
- Pros and cons of secured and unsecured loans
- Building a Twitch audience
- 1. Open an IRA
- Best fleet fuel cards
- 5 things to know about Frontier flight delay compensation
- How do credit union loans work?
- Companion Fare
- 4 common check fraud scams
- 1. Fill out the FAFSA
- Late winter and early spring
- If you're not getting Social Security yet
- What qualifies you to be a tax-exempt individual?
- Key stats behind UAW’s unionization push
- How to use the pre-qualification calculator
- The bull call spread
- How does a jumbo loan work?
- Top cards for Uber and Lyft
- Giving during your lifetime
- Average retirement savings balance by age
- What are estimated tax payments?
- How long does it take to close on a home?
- 5 Ways to get started in real estate investing
- What is adjusted gross income (AGI)?
- Real estate agent basics
- Grants for people previously convicted of a felony
- What is a home equity loan?
- Government startup business grants and resources
- What is split-dollar life insurance?
- At a glance
- What is a hotel franchise?
- The merge: an overview
- Our picks for the best life insurance companies in April 2024
- 1. Some rewards are inconvenient and tedious to earn
- 2. Try a clothing swap
- 1. Consider the source
- 1. Attractive welcome bonus
- Mute the mania
- Buy down the interest rate: Is it worth it?
- What is Amtrak BidUp?
- Wells Fargo Reflect® Card
- What alternatives are available?
- Stock chart components
- Top Hilton Diamond status benefits
- Daily mortgage rates chart
- What is buy now, pay later?
- Understanding your home improvement loan calculator results
- Poultry industry ‘holding its breath’
- What is an EIN?
- Who got student loan refunds?
- How to spot origination fees
- Reverse stock split definition
- When to write a financial aid appeal letter
- VA loans vs. conventional loans
- When to refinance your car loan
- 1. The courthouse
- 2. High-yield CD: Like a regular box, but with more gems
- Baskin-Robbins overview
- What is the gift tax?
- Best day to book a flight
- How do brokerage accounts work?
- 1. Rewards are healthy
- Key findings
- Index fund vs. mutual fund
- Tips to get cheap Amtrak tickets
- Sales tax calculator
- How does a credit-builder loan work?
- What goes into the credit card interest calculation
- How to send money online, on mobile or in person
- How to make money online
- Hotels
- 11 best investments right now
- The best money-making apps
- Can I contribute to both a 401(k) and a Roth 401(k)?
- How to find your EIN
- What kind of medical expenses are tax deductible?
- Market orders: Make the trade now
- The best life insurance for seniors in April 2024
- What’s a good credit score with FICO vs. VantageScore
- Brokered vs. bank CD: 2 big differences
- Keeping your life insurance
- 1. 529 Savings and investing accounts
- 50 best small businesses to start
- What to do if you lost your passport in the U.S.
- Oil change prices at chain shops
- What was the FFEL Program?
- 2. Sell your gift cards
- How much do Instagram influencers make?
- Does Zelle cost anything?
- Choose bonus categories that suit your spending
- First number
- How to invest in stocks in 6 steps
- Current student loan interest rates
- Spotify Premium cost
- What is the 401(k) early withdrawal penalty?
- Netflix subscription cost
- Breakdown of central air costs
- Do I need a passport to cruise to Alaska?
- Rite Aid
- What is the standard deduction?
- The highest-valued airline miles for last-minute flights
- Credit definition
- Cash accounts
- 1. Participate in paid market research
- How does a VA home loan work?
- When to transfer Chase points to Aeroplan instead of United
- How do expense trackers work?
- About the lounges
- Top 11 spot Bitcoin ETFs by fee
- 1. What makes mortgage brokers different from loan officers?
- How does overdraft protection work?
- 1. Determine if you need to file taxes
- Merchants push for lower fees
- What is an executive summary?
- Signs of predatory lending
- The benefits aren’t all that beneficial
- What is PE ratio?
- Top credit cards for sports fans and athletes
- 1. You need a Varo bank account to get the Varo credit card
- How spousal IRAs work
- What's the difference between a HELOC and a home equity loan?
- What is the 10-year Treasury?
- Wise
- What is a business credit score?
- Rolling over your 401(k): The options
- How the cards compare
- What is an e-commerce business license?
- How does a secured loan work?
- 1. Don’t assume any one company is the cheapest
- How does home equity work?
- Strategies to expand your business
- 22 popular tax deductions and tax breaks
- 20 high-dividend stocks
- How to lower your credit utilization
- What happened at the MOHELA Senate hearing
- Who can use an SBA loan to buy a business?
- When will the IRS issue a tax levy?
- What is a stock market crash?
- Hot destinations
- Differences between dealer and private-party sales
- Are MMAs FDIC insured?
- Capital One debit cards on Discover’s network
- 1. Personalized floor coverings
- The co-branded Mastercard
- Do you need a passport for a Bahamas cruise?
- Best for size of network: UnitedHealthcare
- How are dividends taxed?
- 1. Take inventory of your finances
- Why the Chase Sapphire Preferred® Card is better for most people
- How long is the statute of limitations on student loans?
- How does Bitcoin work?
- How pensions work: an overview
- Student loan forgiveness programs
- Compare car insurance rates by age
- Credit freeze vs. lock
- ASPCA: Best pet insurance for broad coverage
- How to pay your mortgage with a credit card
- 1. Focus on your qualifications
- Stock up when you see discounts
- Comparing earning rates and annual fees
- Many purchases come with guilt
- Our take on Black Friday
- How much is car insurance?
- 2. Negotiate your rate
- Why mortgage rates change every day
- 1. Low-interest or 0% intro APR credit cards
- State Farm life insurance
- Why you might want the Capital One® Walmart Rewards™ Mastercard®
- Cheapest cars to insure among popular models
- Who files a Schedule C tax form?
- Median income by state: 2022
- Whole life policy features: Definitions
- When probate makes sense
- Front-end and back-end DTI
- What are the pros and cons of money market accounts?
- Define the action steps
- Who needs to get an EIN?
- Apple Card
- What is a life insurance policy?
- 1. It earns Wells Fargo Rewards that can be redeemed for cash
- Our pick for gas: Citi Custom Cash® Card
- Are these the best stocks to buy now?
- A 'beater' truck and a fat 401(k)
- Property type
- Get the conversation started
- The market outlook for home buyers
- What is the 50/30/20 rule?
- An overview
- Personal loans from online lenders
- Alaska seat selection fees
- Differences between mutual funds and index funds
- Cards with increased welcome offers
- Cheap car insurance
- YNAB, for hands-on zero-based budgeting
- Google Sheets budget templates
- Earning elite status
- Best car insurance in Florida overall: Travelers
- Roth IRA contribution deadline
- How we ranked the top life insurers
- What LifeLock does and what it costs
- 2. ABLE accounts
- What are dividend stocks and why buy them?
- New York state income tax rates
- 3. Pawn something
- Benefits of using Zelle
- What reasons can you withdraw from your 401(k) early?
- AARP® Essential Rewards Mastercard® from Barclays
- How to fill out a W-4
- What does Disney+ include?
- The Fed is pushing to slow the economy
- The best home insurance companies of 2024
- 2. Assess if the buzzy topic really affects you
- Can you get insurance without a car?
- Do I have to pay Arizona state income tax?
- Amtrak travel classes
- What is required to be approved for a HELOC or home equity loan?
- Strides in the workplace
- How to choose the best crypto wallet
- Bank wire transfer
- Where USAA stands out
- Request missing miles for flights on Star Alliance and partner airlines
- What can I add on to YouTube TV?
- Best-performing REIT mutual funds: April 2024
- Budget apps for couples
- Delta Comfort Plus
- MassMutual life insurance
- What should my monthly grocery budget be?
- 2. At home
- Credit cards that help save for college
- Lottery tax calculator
- Recent averages for factors that affect a car payment
- What are the Roth 401(k) contribution limits?
- What happened to gas prices in March?
- Refinance to a longer term
- Other rules for the medical expense deduction
- Frugal shopping tips
- The largest banks in the U.S.
- What UAW President Shawn Fain is saying
- Upgrading with miles
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- Delta premium economy menu
- Conventional vs. synthetic
- Wells Fargo Active Cash® Card
- 2. Cash management accounts
- How many Instagram followers do you need to make money?
- Median retirement savings balance by age
- When are estimated taxes due?
- What happens at a mortgage loan closing?
- How voluntary repossession affects your credit and finances
- When should you refinance an FHA loan?
- What is the dividend tax rate?
- 2. You're eligible for compensation even if you cancel a delayed flight
- When to use a credit freeze
- 2. How does a mortgage broker get paid?
- 2. Become a virtual assistant
- 1. You'll need a Sable bank account and a deposit
- Best-performing growth stocks
- Priority Pass options at Seattle-Tacoma
- What is included in an Equinox membership?
- What payments are subject to backup withholding?
- What mobile home insurance covers
- Identifying wants
- Capital One SavorOne Cash Rewards Credit Card
- 9 steps in financial planning
- How to compare lender fees and rates
- How Lyft and Uber insurance work
- Best affordable homeowners insurance in Florida: Nationwide
- Best day to fly
- Why the Chase Sapphire Reserve® wins by a nose
- State sales tax
- Who benefits the most from credit-builder loans?
- Step 2: Compare types of health insurance plans
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- Best credit union personal loans for 2024
- Where to stash your emergency fund
- How a tax levy can affect you
- What to do during a stock market crash
- 4 steps to spot a fake check and avoid trouble
- Are auto loan interest rates rising?
- 2. Search for scholarships
- Holiday weekends
- If you're disabled and under age 65
- Alternatives to co-signing
- When to consider brokered CDs over bank CDs
- How to manually calculate how much life insurance you need
- Buying new life insurance
- 3. Certificates of deposit
- When does the home inspection happen?
- February
- What if my bank fails?
- Jumbo loan requirements
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- 2. Shop for a loan
- 2. Better showerheads
- 2. Fuddruckers
- Average student loan interest rate
- Consolidation vs. refinancing
- Get a new credit card
- 3. Look for contests, sweepstakes and giveaways
- 2. Earn HawaiianMiles through everyday spending
- Examine recent spending, then ruthlessly reduce
- Virginia Housing first-time home buyer programs
- U.S. Bank Visa® Platinum Card
- Why write an executive summary?
- 3. Look for last-minute deals
- PE ratio example
- Personalized versus average interest rates
- How does buy now, pay later work?
- Best-performing REIT ETFs: April 2024
- QuickBooks Self-Employed pricing
- 2. You set your own credit limit, to a point
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- How LLCs pay income taxes
- 7 best stocks to buy now, according to analysts
- How investment and brokerage fees affect returns
- What's the difference between a HELOC and a cash-out refinance?
- 3. Jumbo CD: The big box
- How the annual gift tax exclusion works
- How to cash a large check without a bank account
- How to choose a brokerage account provider
- 2. It’s light on some fees, heavy on others
- Delta refund ticket eligibility
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- Grace period
- How to make money as a novice
- High CD rates for now
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- Step 2: Pre-qualify and compare offers
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- What are the benefits of a Roth 401(k)?
- Sign-up bonus
- What kind of medical expenses are not tax deductible?
- The pros and cons of a life insurance trust
- How to book Main Cabin Extra
- What’s behind the pre-qualification calculation?
- 4. Work today for fast cash today
- Partner promotions
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- How to set up a crypto wallet
- How does a home equity loan work?
- How long do recessions last?
- Who offers first-time home buyer assistance?
- Check your local grocery store
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- 2. How does a mortgage broker get paid?
- 8 best hot wallets
- Our take on holiday travel
- Where USAA falls short
- 2. Credit card loan programs
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- How the avian flu could affect turkey availability
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- 3. An Airbnb or hotel rental
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- 2. Don’t ignore local and regional insurers
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- How do I know if I have FFELP loans?
- How to monetize your Instagram with fewer followers
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- 3. Stylish cabinet hardware
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- 3. Only certain delays are eligible for compensation
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- 3. Transcribe audio and video
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- 2. Redemption is clunky and inflexible
- 4. Redeem rewards
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- 3. Get 50% off a companion fare the first year, and $100 off every year after
- Margin accounts
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- Changes coming April 8, 2024
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- 2. Set financial priorities
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- 3. Choose an affordable school
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- 4. Custodial brokerage account
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- 3. High-yield money market accounts (MMAs)
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- Joann
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- 4. No-penalty CD: The box with a breakable lock
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- March
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- 3. Determine other ownership costs
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- 2. Build a money management blueprint
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- 2. The kids' names shouldn't be on the deed
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- 3. What makes mortgage brokers different from loan officers?
- 4. No fee to share miles with another Hawaiian Airlines traveler
- How to apply for a VA home loan
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- How do these changes affect new customers?
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- Our tips
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- Budgeting for both needs and wants
- How to get a home improvement loan
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- How to apply for an employer identification number
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- How to cut your Hawaii vacation costs
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- 3. You can potentially upgrade to a different Wells Fargo card later
- 4. Parks and beaches
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- OFX
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- Alaska seats for elite members
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- Apply for loan modification
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- Best car insurance companies: Our winners
- Other ways to help
- Is LifeLock worth the price?
- 5. High-yield savings account
- How does a life insurance trust work?
- How are dividends paid out?
- What’s the difference between pre-qualification and preapproval?
- Who should make estimated quarterly tax payments?
- Set activation reminders
- 5. Become an influencer to get free clothing from companies
- 4. Use your best judgment or talk with a trusted professional
- 3. Tailor your application materials
- Top 8 Bitcoin strategy ETFs by fee
- 5. Pick a different neighborhood
- 3. Consider paying points
- REITs' average return
- Recalibrate and celebrate your progress
- Capital One Cards
- Are I bonds a good investment?
- Is a reverse stock split good or bad?
- Investment fee calculator
- Best homeowners insurance in Florida for coverage: State Farm
- Price vs. yield
- Personal loans from credit unions
- Some prevailed in 2021, despite the challenges
- Is Solo 401(k) tax deductible? Solo 401(k) tax advantages
- California income tax deadlines and extensions
- Size comparison
- Do I have to pay state tax on lottery winnings?
- How to choose and manage a credit-builder loan
- What to know if you take online surveys
- What it means for your money
- The Federal Trade Commission’s budget worksheet
- What a good credit score can get you
- Tips for using money market accounts
- Where does lottery revenue go?
- 7. Request a payroll advance
- 5. Window flair
- What you need to bring to the closing
- For non-U.S. citizens
- Where to find your AGI on your 1040
- How to find and interview real estate agents
- How student loan interest rates work
- What can I use a home equity loan for?
- Startup business grants from private companies and nonprofits
- Can Disney+ fit my budget?
- 3. Heirs can disclaim the timeshare
- 7 types of identity theft and the warning signs
- Standard deduction 2023
- 3. There is a sign-up bonus
- 5. Two free checked bags
- 5. Housesit
- Don't skew your view
- Fees abound with the Horizon Gold
- When you should lock your mortgage rate
- Request missing miles for other MileagePlus partners
- How to choose a money market account
- Why is adoption so expensive?
- Our pick for dining: U.S. Bank Altitude® Go Visa Signature® Card
- 5. IRA CD: A box within a box, both locked separately
- Average mutual fund return
- How to open a bank account to cash a check
- 4. Work on your credit
- 1. High-yield savings accounts
- Goodbudget, for hands-on envelope budgeting
- Your tax rates now vs. later
- 20% rebate on eligible in-flight purchases
- A climate catch-22
- 2. Bank of America: $2.34 trillion
- American Airlines premium economy vs. Main Cabin Extra
- New York state supplemental income tax
- Avoiding the upsell
- 4. Peer-to-peer lending
- The end of pandemic-era relief for FFELP borrowers
- 4. Find the right car for you
- Where you can use your Hilton Grand Vacation Club points
- 4. Johnny Rockets
- When voluntary repossession makes sense
- How do streaming services fit into your budget?
- Other Frontier fees
- Best life insurance company overall: MassMutual
- What if I don’t have access to a pension plan or a 401(k)?
- Student loan cancellation programs
- 5. Stick to your plan
- Other ways to save money on last-minute flights
- 4. Is a mortgage broker right for me?
- Citi® Diamond Preferred® Card
- No guarantee that savings will be passed on
- State Farm life insurance rates
- Does YouTube TV allow password sharing?
- Should you use buy now, pay later?
- Frozen turkey prices
- MassMutual customer complaints and satisfaction
- 5. In the street
- Gift tax limit 2024
- States with no sales tax
- Where to find credit-builder loans
- How loan term affects your monthly car payment
- Airline loyalty programs
- Best car insurance in Florida for having few customer complaints: Auto-Owners
- Buyer’s next steps
- What is a tax exemption?
- Other features that may be similar
- How does Spotify fit into your budget?
- Upgrade Triple Cash Rewards Visa®
- Split-dollar life insurance for employees
- Which card should you get?
- Kirkland’s
- Fourth of July: Big bucks for burgers and beer
- Remove yourself or your spouse from any credit card
- 6. No foreign transaction fees
- Pros and cons of VA home loans
- Using the mortgage points calculator
- 2. It offers decent rewards, a sign-up bonus and perks
- More advanced stock chart terms
- How much is car insurance in my state?
- 6. Use your affiliations
- 5 best biotech stocks in the S&P 500 by one-year performance
- 4. Buy now, pay later services
- Home improvement loans with bad credit
- Am I stuck with MOHELA until my loans are paid off?
- How to budget with your partner
- 4. The APR is 0%
- How to get the best value when flying TAP Portugal
- Which life insurance policy is right for me?
- What to do if your appeal is unsuccessful
- 4. You can increase your credit limit over time
- An alternative to chasing the best stocks
- Where to get rideshare insurance
- Immediate resignation letter example
- Baskin-Robbins franchise pros and cons
- 4. Your bags won’t fly free
- How to make money as a Twitch Affiliate
- Episode transcript
- Mastercard has an edge, but it’s complicated
- Airlines
- More about the card
- What state has the highest gas prices?
- How to find another company's EIN
- Eliminate mortgage insurance
- 4. Use grants if you qualify
- Frugal DIY project tips
- How much should you spend on a mattress?
- Extending or converting your policy
- 6. Investing for teens
- 6 types of dividends
- Amenities and other perks
- April
- Leaving behind your legacy
- 8. Take a loan from your retirement account
- 6. Brighter light fixtures
- How do I enroll in Zelle?
- What you'll pay at closing
- For maximum flexibility, open a U.S. Bank deposit account
- 4. Credit card protections or travel insurance can cover gaps
- Can you restart the statute of limitations on student loans?
- How to qualify for first-time home buyer benefits
- How does Amtrak BidUp work?
- Should you buy growth stocks?
- How to cancel an Equinox membership
- 4. How do I choose a mortgage broker?
- What is a good PE ratio?
- Types of REITs
- Schedule C: Tips and tricks
- QuickBooks Enterprise pricing
- Money market accounts vs. other accounts
- More about these investment expenses
- APR vs. APY: What’s the difference?
- 6. Libraries and museums
- What is a good business credit score?
- Is it cheaper to fly to Oahu or Maui?
- Can you deduct sales tax?
- How do you find out how much equity is in your home?
- How to choose the best savings account
- 9 best health care stocks by one-year performance
- How many banks have collapsed?
- Buying a brokered CD: the details
- The difference between tax exemptions, tax deductions and tax credits
- How much does a home inspection cost?
- What are the lottery payout options?
- The significance of adjusted gross income
- Hardware wallets
- Home equity loan rates in 2023
- How to consolidate private student loans
- Standard deduction 2024 (taxes filed 2025)
- Student loan discharge programs
- The bottom line
- 4. Follow up with the hiring team
- The Bitcoin ETF price war
- Costly shipping fees can’t be paid using your Horizon Gold card
- Today’s rates for specific kinds of mortgages
- USAA home insurance rates
- Final thoughts on requesting missing United miles
- 4. Take advantage of first-time home buyer programs
- 5 steps to applying for a mortgage
- Does YouTube TV offer offline viewing?
- Why you might pass on the Capital One® Walmart Rewards™ Mastercard®
- How much can you make with I bonds?
- 5. The card offers an intro APR period
- How MassMutual compares to other insurers
- Mortgage insurance
- Find ways to stretch your grocery budget
- How to open a brokerage account
- The importance of a direct 401(k) rollover
- Would-be seller concerns will keep inventory tight in 2022
- Do I have to pay California state tax?
- Free stock screeners from brokers
- How does an unsecured loan work?
- How to invest in dividend stocks
- More ways to take charge of your budget
- A savvy way to save money
- Applying during the general enrollment period
- Think long-term
- What states are increasing minimum wages in 2024?
- Does pre-qualification affect your credit score?
- Defaulted FFELP Loans and the Fresh Start Program
- 9. Borrow against life insurance
- 7. Removable wallpaper
- How do I send, request and receive money in Zelle?
- 5. The Melting Pot
- Cruising versus flying
- Buying bundles: the Works and the Perks
- 6. Write online reviews
- State Farm customer complaints and satisfaction
- How do payday loans affect credit?
- How are HELOC payments calculated?
- 7. Aquariums and zoos
- 6. Step-up or bump-up CD: The box that allows more gems over time
- Earn miles with Delta credit cards
- Gift tax limit 2023
- Alaska plane seating chart
- Covering your spouse under your solo 401(k)
- Should I take a lump sum payment or annuity payments?
- Step 3: Choose your lender and loan
- What affects your credit score?
- Mattress-buying tips
- Types of life insurance trusts
- What is American Airlines Main Plus?
- The long straddle
- More about money market accounts
- Best North Carolina car insurance for customer complaints: Auto-Owners
- Capital One SavorOne Cash Rewards Credit Card
- 5. Online savings accounts
- 5. Contact the seller or visit a dealership
- The bottom line
- 'Guessing' numbers
- Best for local support: Blue Cross Blue Shield
- W-4 form 2024
- Alaskan cruise passports recapped
- The caveats
- How to build your credit
- 5. How do I choose a mortgage broker?
- Cash accounts vs. margin accounts
- Embrace: Best pet insurance for many ways to save
- How an Equinox membership fits into your budget
- Citi Double Cash® Card
- Social media may lead to overspending
- Google Pay
- Pros and cons of investing in biotech stocks
- Other ways to finance a home improvement project
- 5. You can earn cash back on select purchases
- Bilt World Elite Mastercard® Credit Card
- Expenses that may arise when adopting a child
- Stock split vs. reverse stock split
- How franchising vs. licensing differ
- More about MassMutual
- How much rideshare insurance costs
- Best homeowners insurance in Florida for having few consumer complaints: Chubb
- Why is the 10-year Treasury yield important?
- Get more help with monthly budget planning
- 5. Other cards that offer 'backdoor' Flying Blue miles could be better
- 5. Skip comprehensive and collision coverage for an older car
- Get a credit-builder product or a secured loan
- Estimating your car payment
- How do I apply for an SBA business acquisition loan?
- 3. Wells Fargo Bank: $1.68 trillion
- How to invest in AI stocks
- 10. Use a credit card cash advance
- 8. Fresh paint
- Dividend tax rate 2023
- Cheap full coverage insurance for different drivers
- Home equity loan and HELOC rates
- Do spot Bitcoin ETFs have custodianship risk?
- Better options are out there
- 5. Flexible credit card options
- Does YouTube TV fit in your budget?
- Delta first class
- 7 steps to appeal your financial aid
- 8. Cafes, restaurants and bars
- Xoom
- How to initiate a Delta refund request
- Personal loans from banks
- Interest rate
- Pros and cons of investing in health care stocks
- What state has the lowest gas prices?
- 5. Get a work-study job
- Dropping your life insurance
- Upgrading with cash
- 7. Roth IRA
- May
- When are New York state income taxes due?
- Pros and cons of jumbo loans
- What to do if you lost your passport abroad
- Are FFELP loans eligible for PSLF?
- Should I join the Hilton Grand Vacation Club?
- How to calculate quarterly estimated taxes
- 6. Another Broken Egg
- Consider the costs of cashing out your 401(k)
- Split-dollar life insurance in estate planning
- Should you try to settle your student loans?
- Storing your Bitcoins: Hot wallets vs. cold wallets
- Best life insurance company for applicants with HIV: Guardian
- 7. Start a blog
- 3. It has few fees and a relatively low APR
- Obstacles to paying a mortgage with a credit card
- When to choose the IHG One Rewards Premier Credit Card
- How to stop backup withholding and get credit for it
- PE ratio example calculator
- Where State Farm stands out
- What is a good DTI ratio?
- Are payday loans legal?
- Managing expectations
- How much does it cost to open a Baskin-Robbins franchise?
- How the lifetime gift tax exclusion works
- How to open a solo 401(k)
- Other options for building credit
- What are fleet cards?
- Roth 401(k) withdrawal rules
- Best car insurance in Florida for ease of use: State Farm
- State thresholds for the medical expense deduction
- Frugal home expenses tips
- Medicare late enrollment penalties
- What happens during a home inspection?
- How to increase your pre-qualification amount
- 11. Look for a payday alternative loan
- Affording home upgrades
- What’s not covered
- Pair it with another credit card
- Ways to get the best home equity loan rates
- Standard deduction for those 65 or older
- 4. You can shop instantly after you are approved for the card
- Remember, this is just another life cycle
- What is the VA loan limit?
- Is there an income limit to qualify as a first-time home buyer?
- How credit card rewards look in other countries
- Discounts
- 5. Shop around with multiple lenders
- Best for emergency medical coverage: Allianz Global Assistance
- How to reach MOHELA customer service
- Alternatives to QuickBooks
- How to get the most from an app
- Buying a call option vs. owning the stock
- How much life insurance should I buy?
- Search for individual tickets if traveling in a group
- LLC payroll taxes
- How compound interest works
- What is California's standard deduction?
- Who collects sales tax?
- 6. Raise your deductible
- Why is home equity important?
- Can I open a savings account online?
- The most popular surveys for cash apps
- Step 3: Compare health plan networks
- 2. Certificates of deposit
- Credit union personal loan rates
- How to change or cancel an EIN
- Other Roth IRA rules
- How to get a good credit score
- Minimum wage increases
- Do I have to pay New York state income tax?
- Blending lifetime and legacy giving
- When you need a passport for a cruise
- What is your modified adjusted gross income (MAGI)?
- Getting your Frontier baggage and other fees waived
- How to find the 2024 W-4
- 8. Game on Twitch
- Chase Freedom Flex℠
- 3. Understand how your taxes are determined
- Where State Farm falls short
- NFL Extra Points Visa® Credit Card
- 9. A boat
- 7. Add-on CD: The box that allows additional deposits
- Are 10-year Treasury notes a good investment?
- Pros and cons of a 401(k) rollover into an IRA
- Flying between Maui and Oahu
- How do I deal with lottery taxes?
- Should you use a personal loan to build credit?
- 3. Get disability and life insurance
- Rental cars
- The bottom line
- When to get a CD
- 6. Work for an employer that pays for college
- Compare at a glance: brokered vs. bank CDs
- 8. Special needs trust
- How to get American Airlines Main Cabin Extra Seats for free
- Best North Carolina car insurance for ease of use: State Farm
- 6. Inspect and test-drive the car, if applicable
- Dividend tax rate 2024
- 5. Filing requirements and deadlines matter
- Growth stocks vs. dividend stocks
- What’s not covered
- 6. Personal loans
- Wait a second — what about inflation?
- No impact on forgiveness under IDR, PSLF
- Reverse stock split examples
- Find the best HELOC lender for you
- Brokerage accounts are taxable accounts
- Stumbling blocks on the homebuying path
- Is my business required to collect sales tax?
- How to make money as a Twitch Partner
- What to do if you can’t open a savings account
- How do fleet cards work?
- Step 4: Gather loan documents
- Why did First Republic Bank fail?
- What is the median household income in the U.S.?
- Getting the most from your pre-qualification limit
- If you're considering booking Delta Air Lines premium economy
- Make your own 'Airbnb credit card'
- 6. High-yield checking accounts
- How to find AI ETFs
- 12. Get a personal loan
- 7. Gyu-Kaku Japanese BBQ
- 5. It can be expensive to carry a balance
- 9. Sell photography
- 5 things to know about Arizona state income tax
- What do the approvals mean for Bitcoin?
- 6. Consider alternative types of mortgages
- More about State Farm life insurance
- Want cheaper insurance? Avoid these vehicles
- Finalize preparations for tax day, April 15
- Our pick for groceries: Blue Cash Preferred® Card from American Express
- How to buy rideshare insurance
- Resignation due to health issues letter example
- 10. Schools and universities
- Tips to find cheap flights any day of the week
- What part of my income gets taxed by California?
- 7. Consider usage-based or pay-per-mile insurance
- Home equity takes time to build
- EveryDollar, for simple zero-based budgeting
- Getting flight delay compensation from Frontier
- 4. Citibank: $1.01 trillion
- What happens after you sign up for Medicare
- The bottom line
- How to avoid extra costs from a trip delay
- Can (or should) I consolidate my FFELP loan?
- 3 tips to control central air conditioning installation costs
- How much can you borrow with a home equity loan?
- Federal student loan consolidation
- 4. You may be able to graduate to an unsecured Sable card
- What's next?
- How much is car insurance by company?
- PayPal
- How to buy biotech stocks
- What apps let you buy now, pay later?
- Maximum and average DTI ratios by mortgage type
- Full list of the best homeowners insurance in Florida
- Credit cards that help repay student loans
- Is a credit-builder loan good for my situation?
- Use a co-signer
- Why Visa and Mastercard rates are different
- How to buy health care stocks
- How to open a CD
- Five steps to opening an investment account for your kid
- June
- Communication is key
- Spot coverage options
- Best for low-cost plan availability: Humana
- Fees across U.S. airlines
- How to report dividend income on your taxes
- Citi Custom Cash® Card
- Do I have to update my W-4 every year?
- Refinancing a VA home loan
- Who should get a home equity loan
- BankAmericard® credit card
- What is an example of predatory lending?
- Consumer complaints
- 7. Alternative 'quick cash' options
- Do you ever need to change your EIN?
- Is APY variable?
- 11. Theaters
- 8. Brokered CD: The box available at a brokerage
- Mutual fund fees
- 2024 lifetime gift tax exemption
- How do you buy 10-year Treasury notes?
- How to pick seats on Alaska
- What happens if you don’t collect sales tax?
- Days in the cycle
- How much does it cost to expand a business?
- 3. Bonds
- How are gas prices determined?
- Hilton elite status perks
- Full list of the best car insurance in Florida
- More about buying life insurance as a senior
- Book an award flight instead
- The long strangle
- What is New York state's standard deduction?
- How much are lottery winnings taxed?
- 13. Rent out a room
- Plan your sign-up bonus
- Best life insurance company for consumer experience: Northwestern Mutual
- 10. Pet sit
- Should you pay your mortgage with a credit card?
- How to get Hilton Diamond status
- How to make the most of The Platinum Card® from American Express
- Why you might prefer the Capital One Venture X Rewards Credit Card
- Shopping and dining
- How to get a loan from a credit union
- CD vs. savings account
- Tips for calculating how much life insurance you need
- What's included in a home inspection report?
- Full list of the best car insurance companies in North Carolina
- Do you have to report your passport lost or stolen?
- 7. Determine which warranties are right for you
- 8. Quaker Steak & Lube
- The bottom line
- 6. Delayed flights from Europe are covered under EU261/UK261
- Best Android personal expense tracker apps
- Getting more offers can mean more money
- How much do life insurance policies cost?
- I bonds and taxes
- How to rebook quickly for a canceled flight
- LLC self-employment taxes
- Save money on wedding venues near you
- MoneyGram
- Summary of pros and cons of personal loan lenders
- Am I a resident for California state tax purposes?
- Why did Silicon Valley Bank fail?
- 7. Take out federal loans if you have to
- How long does it take to get pre-qualified for a mortgage?
- Working with an advisor
- Navient aims to transfer FFELP loans to MOHELA
- How to pay estimated taxes
- How to control your dividend tax bill
- Home equity loan requirements
- Standard deduction for dependents
- 11. Do freelance work
- How to access these lounges
- Who should get a HELOC
- Airline loyalty programs
- Consumer experience
- U.S. Bank cards
- If you fly TAP Portugal economy class this year
- How to get a refund if the IDR account adjustment forgives your debt
- What happens if you have an accident while driving for Uber, Lyft or other app?
- Credit score requirements
- Hotels to book with points in New York City
- More Florida home insurance companies
- Do you pay tax on T-notes?
- 8. Check insurance costs when buying a car
- Become an authorized user
- 5. U.S. Bank: $646.73 billion
- How to evaluate dividends
- Jumbo loans and conforming loan limits
- Restrictions and waiting periods
- How to adjust your Form W-4
- Who shouldn’t buy non-owner car insurance
- Benefits of an IRA
- Types of VA home loans
- Amtrak BidUp tips
- What's next?
- 4. Decide how to file your taxes
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- How to get a payday loan
- 9. Foreign currency CD: The box with non-U.S. gems
- Brokerage accounts vs. IRA
- Why do I need a business credit score?
- Getting your Delta Air Lines refund
- How to choose a lender
- Step 4: Compare out-of-pocket costs
- CD vs. bond
- Why you can trust NerdWallet
- Term vs. whole life insurance tool
- Which type of life insurance should I put in a trust?
- July
- Am I a resident for New York state income tax purposes?
- What to do if you lost your passport the day before a flight
- Could we be in an AI bubble?
- 14. Moonlight as a dog sitter
- What is the average and median retirement savings?
- Next Steps
- If you’re considering transferring Chase Ultimate Rewards® points to United or Air Canada
- What do the approvals mean for other crypto investments?
- How much is mobile home insurance?
- How to complain about MOHELA
- What if you lose your EIN?
- Who pays the gift tax?
- Should you get a secured or unsecured personal loan?
- What's next?
- Step 5: Submit your application and get funded
- Are these the best dividend stocks?
- Air France upgrades recapped
- Find local conforming loan limits
- 9. Wow Bao
- How to finance central air installation
- World of Hyatt vs. IHG: Which card is right for you?
- What is Hilton Diamond status worth?
- Venmo
- Selling a call option
- LLC sales taxes
- Can you lose money in mutual funds?
- Determining which business licenses you need to sell online
- Fleet fuel cards: benefits and drawbacks
- Credit union vs. online lender
- 15. Become a rideshare or delivery driver
- 8. Negotiate the best price
- Use your Visa Signature Benefits
- Are home equity loans a good idea?
- When can't you take the standard deduction?
- 12. Create a podcast
- 5. You can take advantage of several credit-building features
- Tips for writing an executive summary
- Payday loan alternatives to consider
- Bottom line: Choose the CD that helps you most
- Do you pay taxes when you receive a gift?
- How do I get my business credit score?
- Final thoughts on finding cheap Southwest flights
- Types of CD strategies
- Types of gas
- Ways to get the best jumbo mortgage rates
- What to do if you win the lottery
- Apple Card
- Frequently asked questions about estimated tax payments
- Spot pet insurance rates
- Best of the Blues: Highmark
- How to consolidate federal loans
- How to buy a hotel franchise
- Best life insurance company for coverage amounts: New York Life
- How many times can you use a VA home loan?
- USAA vs. competitors
- Rideshare insurance: Key takeaways
- How to open a Baskin-Robbins franchise
- The bottom line
- Your readiness to buy a home
- Empower Personal Dashboard, for tracking wealth and spending
- Which is the best status for you?
- 16. Cut your insurance premiums
- Other closed-loop cruises
- Air Canada flight delay compensation, recapped
- Home shopping tips
- 13. Become a rideshare or delivery driver
- The bottom line
- How to avoid predatory lenders
- Last-minute flight deals are out there
- Elite status can improve your overall experience
- Our pick for transit: Bank of America® Customized Cash Rewards credit card
- Pros and cons of franchising vs. licensing
- If you're seeking a Delta refund
- Why did Signature Bank fail?
- 8. Borrow private loans as a last resort
- What is the highest credit score, and how many people have it?
- 6. PNC Bank: $551.13 billion
- August
- 10. Saladworks
- How do I find my public and private keys?
- Figo: Best pet insurance for cats
- Is Hilton Diamond status worth it?
- How much is auto insurance based on your driving record?
- Alternatives to buy now, pay later
- Is the gift tax deductible?
- How to apply for an online business license
- Card rates are on par with market rates
- When to consider Global Entry instead
- Stock market crashes in history
- Is Main Cabin Extra worth it on American Airlines?
- The synthetic long
- 3. Make the most of your savings
- Chase Freedom Unlimited®
- How much is my 2023 standard deduction?
- How to settle a dispute with MOHELA
- Are I bonds low risk?
- LLC tax forms and deadlines
- Maximum debt-to-income ratio
- Western Union
- Which card should you get?
- Maui vs. Oahu, recapped
- Get credit for the bills you pay
- 9. Maximize trade-in value, if applicable
- The bottom line
- Finding a real estate agent: Tips for buyers
- Important considerations when opening a Roth IRA
- 14. Tutor
- Walmart2Walmart
- Pros of investing in REIT stocks
- The Platinum Card® from American Express
- Compare top-rated life insurance companies
- If you want to go to Hawaii
- How much does homeowners insurance cost in Florida?
- How much is the gift tax rate?
- What are CD rates right now?
- 17. Consolidate your debt
- What homeowners insurance won't cover
- Manufactured and mobile home insurance companies
- Best for those who pack expensive equipment: Travel Insured International
- DTI isn't a full measure of affordability
- American Express cards
- The bottom line
- Alaska Airlines seat selection recapped
- Fuel card vs. business gas credit card
- Next steps
- How to claim lottery winnings
- Should you invest in AI stocks?
- Final thoughts
- If you want to cruise to the Bahamas
- Should I choose a home equity loan, HELOC, or cash-out refinance?
- 11 ways to prevent identity theft
- Compare insurance rates by driver history
- Is the Amtrak BidUp tool worth it?
- Types of stock charts and how to read them
- Make the most of your credit cards during spring travel
- What’s happening with Silvergate Capital Corp.?
- Why are California gas prices so high?
- September
- Discounts
- Additional resources for people previously convicted of a felony
- How to shop for Medicare Advantage plans
- Best life insurance company for permanent life insurance: Pacific Life
- Extra fees
- The drawbacks of PE ratio analysis
- Cons of investing in REIT stocks
- Should you buy I bonds?
- 7. Goldman Sachs: $463.99 billion
- Are dividends taxed?
- What are the largest lottery jackpots ever?
- 18. Refinance your student loans
- 10. Make the purchase
- Finding a real estate agent: Tips for sellers
- Where to buy non-owner car insurance
- 15. Rent out items
- If you're ready to start a budget
- Types of financial planning help
- Friends and family
- What happened to Credit Suisse?
- What are promotional CD rates?
- Final thoughts on getting TSA PreCheck for free
- State availability
- How full coverage car insurance works
- 2023 vs. 2024 standard deduction
- Find the best life insurance policy for you
- LLC tax tips for business owners
- Average cost of homeowners insurance in Florida by city
- Common gift tax return triggers
- Practice good credit habits
- Step 5: Compare benefits
- Exchange rates as a credit card feature
- The bottom line on how to prepare for a stock market crash
- Next steps
- 19. Change your cell phone plan
- 16. Use cash back apps
- Investing in REITs: How to get started
- If your DTI is high
- The final decision
- California state tax credits
- 4. Money market funds
- W-4 calculator
- Small-business incubator programs
- 5. Gather tax filing information
- Western Union
- Why call options can make sense
- If you want to transfer Southwest Rapid Rewards points
- PocketGuard, for a simplified budgeting snapshot
- 8. Truist Bank: $534.93 billion
- October
- Avoid risky loans
- Consumer experience
- How to choose a real estate agent
- When to claim the standard deduction
- Trailing vs. forward PE ratio
- Why is homeowners insurance so expensive in Florida?
- Does your business need a fleet fuel card?
- Final thoughts on Hilton Diamond vs. Gold
- Next steps
- Select store cards
- Understanding life insurance quotes
- Our pick for utilities: U.S. Bank Cash+® Visa Signature® Card
- Are other banks are in trouble?
- Does the president control gas prices?
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on SoFi's website
on SoFi's website
How do credit union loans work?
Credit unions are not-for-profit financial organizations that serve members who live, study, work or worship in a particular area. Each credit union is controlled by members, who elect volunteer board members to oversee the organization.
If you meet the credit union’s requirements, you can apply for membership, usually online. You may be required to open an account with an initial minimum deposit, typically $5 to $25. Once your membership is approved, you can access banking services, including personal loans.
Once you apply for a loan and are approved, you’ll receive the funds in your account and then repay the credit union in fixed monthly installments, with terms ranging from two to seven years.
Best credit union personal loans for 2024
If you don’t have a neighborhood credit union, nationwide options are available. The credit unions below lend in all 50 states and Washington, D.C., and you can likely apply for membership online.
Alliant: Best for fast funding
Becoming a member at Alliant doesn’t require a fee, and anyone is eligible by joining Foster Care to Success, a nonprofit organization that serves foster teens across the country. Alliant even pays the $5 membership fee to FC2S on your behalf.
Why it stands out: Alliant offers a wide range of personal loan amounts and can approve most borrowers the same day they apply. Once you sign the loan documents, Alliant can also provide same-day funding.
First Tech: Best for co-sign and joint loan options
First Tech mostly serves tech companies and their employees with personal loans up to $50,000.
Why it stands out: First Tech offers co-signed and joint loans to personal loan borrowers. By adding someone with a higher credit score or larger income to your application, you may boost your chances of getting approved. Co-borrowers are equally responsible for missed payments, but in a co-signed loan, only the primary applicant has access to the loan funds.
PenFed: Best for a seamless application process
PenFed is known for serving military members, but anyone can join the credit union by opening a savings account with an initial deposit of $5.
Why it stands out: Not only can anyone join PenFed, but unlike other credit unions, you can apply for membership as part of the loan application, letting you combine both these steps into one. PenFed also lets you pre-qualify online to see your potential rate, loan amount and monthly payment without affecting your credit score, so you can get an idea of your loan options before you apply.
Navy Federal: Best for military members
To be eligible for membership at Navy Federal, you must be active duty, retired or a veteran of any military branch; a Department of Defense civilian; or a family or household member.
Why it stands out: In addition to focusing on military members and their families, if you’re active duty or retired military, you can qualify for a 0.25 percentage point discount on your personal loan’s annual percentage rate, which lowers the overall interest you’ll pay on the loan.
Credit union personal loan rates
Rates for unsecured personal loans will depend on your credit score, credit history, income and debts.
Rates can also vary by type of credit union: federally chartered vs state-chartered.
Federal credit unions cap annual percentage rates at 18%. Your credit union may also charge an application fee that isn't part of the APR.
As of September 2023, the average APR for a three-year federal credit union loan is 10.58%, according to data from the National Credit Union Administration.
Lender | Typical APR range | Loan amounts |
---|---|---|
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. See my rates on NerdWallet's secure website | 11.79% - 29.49%. | $1,000 to $100,000. |
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. See my rates on NerdWallet's secure website | 7.99% - 17.99%. | $2,000 to $50,000. |
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. See my rates on NerdWallet's secure website | 8.99% - 18.00%. | $500 to $50,000. |
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. See my rates on NerdWallet's secure website | 7.49% - 18.00%. | $250 to $50,000. |
How to get a loan from a credit union
A low credit score alone won’t typically disqualify you from getting a loan from a credit union, because credit unions consider your whole financial picture, including your credit history and standing as a member with the credit union, when reviewing your loan application. Still, a good score will get you a lower rate than someone with bad credit, so it pays to check your credit score before applying for a loan.
Since credit unions come in many sizes, the application process, approval criteria, rates and other aspects of a personal loan vary. Many credit unions allow online loan applications, which typically ask for personal and contact information, Social Security number, employment and income details and any current debts.
» MORE: How to apply for a personal loan
Local or smaller institutions may require you to apply in-person or close the loan at a branch.
Credit union vs. online lender
Online lenders offer loans across the credit spectrum, so they’re another option for bad-credit borrowers (629 credit score or lower) who need a personal loan.
» MORE: See your bad-credit loan options
While credit unions only conduct a hard credit check — which can cause a small temporary dip in your credit score — most online lenders typically perform soft credit checks first to see if you pre-qualify for a loan.
Online lenders also offer online applications that don’t require you to visit a branch and typically fund loans quickly.
But loans from credit unions tend to be cheaper than those from online lenders, especially for borrowers with fair or bad credit scores. Borrowers with fair credit received an average APR around 18%, according to the most recent anonymized offer data from users who pre-qualified in NerdWallet’s lender marketplace.
Next steps
If you’re already a member and you can withstand a temporary hit to your credit score, a credit union may get you the cheapest loan. NerdWallet recommends comparing loans from multiple lenders.
You can pre-qualify with online lenders on NerdWallet and compare your estimated rate with one from your credit union.
on NerdWallet