Personal Loans

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.

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Personal Loans

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 LOAN RATES

Effective as of 01/01/2024

Signature Loan Rates (Variable Rate)
Term (years)¹	1	2	3	4	5
Personal Loan - Variable Rates	9.875%	10.375%	10.875%	11.375%	11.875%
Monthly payment per $1,000	$87.86	$46.32	$32.68	$26.03	$22.18

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.

*APY = Annual Percentage Yield, APR = Annual Percentage Rate.
Rates are subject to change without notice. Loans subject to credit qualifications and approval. Actual rate may vary depending on credit history.