Holiday Loan

Give yourself the gift of low stress and low interest this holiday season! *

With our Holiday Loan Special, you can choose fixed payments of $45.56 for every $1,000 borrowed at an 8.500% fixed rate APR for 24 months, or fixed payment of $31.80 for every $1,000 borrowed at a 9.000% fixed rate APR for 36 months.

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*Terms and conditions: APR (Annual Percentage Rate) is determined based on an evaluation of creditworthiness, so your individual rate may vary. Credit approval is required for all loans. Please note that loan programs, promotions, and interest rates are subject to change and/or cancellation without prior notice. This notice does not constitute a guaranteed offer of credit; underwriting guidelines and approval criteria apply. To apply for a loan with IDB Global Federal Credit Union, you must be a primary account holder. Joint account ownership alone does not qualify you for a loan. Sample monthly payment: $45.56 for every $1,000 borrowed at an 8.500% fixed rate APR for 24 months, and fixed payment of $31.80 for every $1,000 borrowed at a 9.000% fixed rate APR for 36 months. Rates effective as of Nov. 20, 2024. Offer valid on loan applications received through Dec. 31, 2024.

Signature Personal Loan

A loan made for any occasion or need!

Signature loans are loans which have no property to secure them unlike a real estate or vehicle loan. The most common signature loan is a personal loan. These loans can be taken out for a multitude of reasons, cover hospital expenses, purchase a new stereo, or finance your next vacation.

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PERSONAL LOAN

Low rates and flexible repayment terms make this loan an attractive option for any eventual need you may have.

Personal loans are great for tailoring monthly payments to your budget while using the money on your own terms. We offer a fixed monthly payment, so even if the interest rate changes, you never face a monthly payment increase.

Why apply for a personal loan:

Debt consolidation: refinance existing debts such as high rate credit cards or multiple existing loans into one manageable payment.
Finance a one-off purchase such as vacation, home improvement projects not secured by the equity on the house, or a new or used vehicle.
Payment for unexpected expenses such as medical bills, emergency vehicle repairs (if not covered by insurance), or urgent home repairs.
Financing for business projects, whether to begin or expand a company, or cover the startup costs without collateral.
Paying a large tax debt owed to the IRS to avoid high interest and penalty fees.

APPLY NOW CURRENT RATES

Questions? Just contact our Lending Department to get started

Personal Loans Unsecured Variable Rate Disclosure

PERSONAL LOAN RATES

Effective as of 10/01/2024

Signature Loan Rates (Variable Rate)
Term (years)¹	1	2	3	4	5
Personal Loan - Variable Rates	9.500%	10.000%	10.500%	11.000%	11.500%
Monthly payment per $1,000	$87.68	$46.14	$32.50	$25.85	$21.99

1. Members who authorize and maintain automatic direct full payroll or pension deposit to the IDB Global Federal Credit Union member accounts to make automatic payment for the life of the loan, shall receive a discount of 50 basis points on the current rate.