Personal Loans

Up to $25,000 Personal Loans at Financial Plus

With a personal loan from Financial Plus, your dreams are within reach. Choose your loan amount for up to $25,000 and embrace all of life's opportunities and adventures. We have local loan experts who will guide you every step of the way to make your personal loan experience as smooth as possible.

Our personal loans can be used for big events, higher education, your dream vacation, renovating your home, holiday shopping, consolidating debt, and more.


Get 1.50% off your next loan rate:

  • As low as 11.49% APR* when you apply for a personal loan and enroll in direct deposit and auto pay

What you get with a personal loan:

  • Borrow up to $25,000 for almost any reason
  • Flexible terms for affordable payments
  • Easy online pre-approval in minutes

How to apply for an FPCU personal loan:

  • Apply online by clicking the button below
  • Stop into any of our locations and chat with a representative

Current members: You may have a pre-approval waiting!

Check to see if you have a pre-approval available by logging into digital banking online or on the MyFPCU mobile app and selecting "My Offers" on the dashboard. 


Additional loan options:

  • No credit check Greenlight Loan: Delivering a 24/7 online loan option to keep our members moving forward. With our  Greenlight Loan, it's easier than ever to get cash up to $2,000 in your pocket when you need it most.
  • Debt Consolidation: Consolidate your high rate credit cards, small personal loans and medical bills with a Fresh Start debt consolidation loan. Lower your monthly payments and celebrate the payoff.
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Easy Payment Options
Take care of your bills automatically with recurring or one time payments.

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Discounted Loan Rates
Save money on your payment just for being a loyal member.

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Calculate your Payment
Use our calculators to get an idea of what your payment could be.


Why you should choose a Financial Plus personal loan:

  • Personalized guidance: We understand that your financial journey is unique. Our knowledgeable and friendly loan experts are here to provide personalized guidance and support, ensuring that you choose the loan option that aligns with your goals.
  • Competitive rates: Your financial well-being matters to us. Our personal loans come with competitive rates, so you can achieve your goals without unnecessary financial strain.
  • Easy application process: Applying for a personal loan at Financial Plus Credit Union is straightforward and convenient. Our simple online application process ensures that you can start your journey with ease.
  • Member-centric approach: As a member-owned credit union, our focus is on your financial success and well-being. Your interests come first, and our aim is to provide you with the best financial solutions tailored to your needs.

Financial Plus is committed to getting you the money you need with the terms you can afford.  That’s why we offer easy online pre-approval in minutes!  

Apply Online

What is an instant approval personal loan?

An instant approval personal loan is a type of loan that can be approved and funded quickly, often within a few hours or days. These loans typically have a streamlined application process that allows lenders to quickly assess your creditworthiness and determine your eligibility for the loan. Keep in mind that instant approval does not guarantee that you will be approved for the loan, and you should still read the terms and conditions carefully before borrowing.

Solutions for every aspect of life

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*APR=Annual Percentage Rate. Refinances of eligible Financial Plus Credit Union loan(s) qualify for member discount at today’s rates. The Loyalty Discounts exclude lines of credit, Greenlight Loan, mortgage, home equity, and commercial loans. Direct Deposit of the payroll is required. If Direct Deposit and Auto Pay requirements are not maintained, you may be subject to a Direct Deposit/Auto Pay Cancellation Fee in the amount of $125.00. Offer expires 9/30/24. See Credit Union for complete details.
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