Personal Loan Options | iQ Credit Union

Personal Loan

9.99% - 19.99% 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

Apply Online

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

Apply Online

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

Apply Online

*For Personal Access Line of Credit the APR is 12.00% Variable and is based on assessment of individual creditworthiness and our underwriting standards. Programs, rates, terms and conditions are subject to change at any time without notice. October 1, 2019. No annual fee.

*For Share/Certificate Secured the APR is Variable and is based on assessment of individual creditworthiness and our underwriting standards. Programs, rates, terms and conditions are subject to change at any time without notice. October 1, 2019. No annual fee.

Personal Loan - Rates Effective as of April 1, 2020

Loan Type	APR	Payment Schedule	Payment Per $1000 Borrowed	Title-Date	More Info
Personal Loans	7.99% - 18.24%	up to 48 months	$24.50 - $29.73

* APR = Annual Percentage Rate. 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.

Personal Access Line of Credit - Rates Effective as of October 1, 2019

Loan Type	APR	Index / Margin	Title-Date	More Info	Effective Date
Personal Access Line of Credit	12.00% Variable	Prime Rate \| 5%
Share/Certificate Secured	Variable	Share/Certificate Rate \| 3%

* APR = Annual Percentage Rate. Rate is variable and may change. Personal Access Line of Credit 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.

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.
Looking for the best rate possible? A shared secured loan lets you use your savings or certificate as collateral.
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.

E-BOOK

Financial Survival Guide

Need the lowdown on loans? Download iQ's Financial Survival Guide to learn what loans are, how to apply for them, and how much to apply for.Maecenas sed diam eget risus varius blandit sit amet non magna.

Download Guide

E-BOOK

Get a Fresh Start with Debt Consolidation

Searching for ways to pay off debt quickly and easily? Download iQ's Debt Consolidation E-Book to learn more about personal loans and how to pay less on your debt.

Download Guide

E-BOOK

The Ultimate Guide to Simple Savings

What are your financial goals? Saving money for retirement? College? A home? In iQ's Ultimate Guide to Simple Savings, we unpack key topics and strategies that can lead to money-saving success and financial freedom.

Download Guide

"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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