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We all need extra money once in a while, whether it’s to pay for an unforeseen expense, a car repair, home repair, to help your kids, or for that once-in-a-lifetime trip. If you need to borrow money for whatever reason, iQ can help with a personal loan or line of credit.

Personal Loan

10.49% - 20.49% Fixed

Borrow a Specific Amount & Pay Back on a Fixed Schedule

Generous Grace Period for Payment

Flexible Due Date

Eligible for Debt Protection Insurance

Convenient Loan Signings using DocuSign Technology

Share or Certificate Secured

3% Over Share or Certificate Rate

Borrow a Specific Amount & Pay Back on a Fixed Schedule

Generous Grace Period for Payment

Lowest Rate Possible by Using Your Share or Certificate as Collateral

Flexible Due Date

Eligible for Debt Protection Insurance

Convenient Loan Signings Using DocuSign Technology

Personal Access Line of Credit

Prime Rate + 5% (12% Floor)

Flexibility of a Credit Line & Borrow as Needed with No Annual Fee

Generous Grace Period for Payment

Can be Used as Overdraft Protection

Eligible for Debt Protection Insurance

Convenient Loan Signings using DocuSign Technology

Rates Effective as of April 21, 2019
Loan Type APR Index / Margin
Personal Access Line of Credit 12.00% Variable Prime Rate | 5%
Share/Certificate Secured Variable Share/Certificate Rate | 3%
Loan Type APR Payment Schedule Payment Per $1000 Borrowed
Personal Loans 9.99% - 20.24% up to 48 months $25.60 - $30.69

*APR = Annual Percentage Rate. Rate is variable and may change. Qualification is based on assessment of individual credit worthiness and our underwriting standards. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice.

Short on Cash?

We are long on personal loan options. iQ Credit Union offers three types of short-term personal loans at differing rates and terms.

  1. A personal access line of credit (PAL). A PAL can be used for overdraft protection or to give you spending flexibility when you need it, and there is no annual fee.
  2. Looking for the best rate possible? A shared secured loan lets you use your savings or certificate as collateral.
  3. Know what you need but not sure how to get there? You can borrow a specific amount and pay it back at a fixed schedule

iQ’s personal loans are designed to help you achieve your financial goals. And loan processing is convenient and hassle-free. We even secure online loan processing using DocuSign.

Not sure what option is best for you? Talk to one of our loan officers, and they can help you find the best personal loan to meet your needs.

See what our customers have to say

"My loan processed in a really timely manner and all my questions were answered. I always appreciate the knowledge and expertise of the iQ staff."

Michael H - member since 1977

"iQ got us pre-approved in seven minutes over the phone and had our loan completed with check in-hand within 12 hours. Thank you so much for getting my wife her new car for our family."

Peter B. - member since 2014

"The loan officer I worked with was amazing! She went above and beyond for me and I will definitely be back."

Toby S. - member since 2018

"iQ's loan process was easy! It's hard for me to ask for a loan, but iQ made me feel trusted. It was a great experience."

Donna B. - member since 1985

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