A Personal Loan from Financial Plus uses your creditworthiness, rather than collateral for the loan. Use a Personal Loan to plan a vacation, make home improvements, get married, consolidate debt, or build credit.

Our Personal Loans offer:

  • Competitive Rates
  • Flexible terms to designed for any budget
  • A great alternative to payday loans


View our Personal Loan options below. Unsure which product is the best solution for you? Call us at (800) 748-0451 to discuss your options.

 

Need a little more cash to cover expenses or make a big purchase this holiday season? Our Winter WonderLoan is a $5,000 unsecured loan that offers a quick repayment term of 12 months with rates as low as 7.99% APR*.
 

Use a Winter Wonderloan for many purposes such as: 

  • Traveling
  • Shopping
  • Paying off high interest rate credit cards
  • And much more!


If your borrowing needs are greater than $5,000, please contact us to discuss other loan options.


Applying for a Winter WonderLoan is quick and easy. Get started today! 
woman and daughter

Apply online button    Apply by phone button-AUTO    Apply in person button
 


*APR = Annual Percentage Rate. Equal Opportunity Lender. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. See Credit Union for complete details.
Our Fresh Start Loan helps you consolidate debt by paying off your bills and lowering your monthly payment. With flexible terms and a rate as low as 8.24% APR*, we make it easy for your to take control of your debt.

Image for Fresh Start


Use a Fresh Start Loan to 
consolidate:

  • High-interest credit cards
  • Small personal loans
  • And more!

Check out our debt consolidation calculator to start learning how you might be able to save.


Applying for a Fresh Start Loan is quick and easy. Get started today!


 

Apply online button    Apply by phone button-AUTO    Apply in person button
 

*APR=Annual Percentage Rate. Equal Opportunity Lender. Rates, terms, and conditions are subject to change and may vary based on creditworthiness. All loans subject to approval. Restrictions apply.

A Financial Plus Share Secured Loan offers a lower interest rate because you use the funds that you have on deposit with Financial Plus as collateral. These are typically secured by a savings or certificate account. The funds on deposit are held and released as you pay down the balance of the loan. 

Applying for a Share Secured Loan is quick and easy. Get started today! 


Apply online button    Apply by phone button-AUTO    Apply in person button
 

Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. See Credit Union for complete details.

 

A Financial Plus Personal Pocketbook Loan makes borrowing easy. With competitive rates, it offers you the flexibility to make yourself a loan whenever and wherever you want.  

Image for Personal PocketbookUse a Personal Pocketbook for many purposes such as: 
  • Auto repairs
  • Home repairs
  • College tuition
  • Vacation
  • And more!

How it works:

Accessing your Personal Pocketbook Line-of-Credit:
Checks are available to you so you can easily access your line. When you choose to use your Personal Pocketbook loan, you write the check to make purchases, pay bills and write yourself a cash advance. (Using these checks does not affect your regular share draft checking account - the funds come from your Personal Pocketbook Line-of-Credit.) You may also transfer advances into your FPCU account through our Automated Phone Banking system, Online Banking, by phone during business hours, or in person at any Financial Plus branch.


Calculating the Monthly Payment: 
Your monthly payment is 3.5% of the balance at the time of the last advance, or $20, whichever is greater. The balance will be rounded to the nearest $100 to calculate the payment amount. For example, your payment on a Personal Pocketbook Loan with a balance of $1,000 at the last advance would have a payment of $35 per month.

Applying for a Personal Pocketbook is quick and easy. Get started today!


Apply online button    Apply by phone button-AUTO    Apply in person button
 

Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. See Credit Union for complete details.

 


Are your looking to begin building your credit? The Kick Start Loan is a $1,000 secured loan designed with young adults in mind. We saw a need to help them build their credit and save money at the same time.

Qualifying for a Kick Start Loan is simple—the only documentation that you'll need to provide (other than ID) is a current paystub that verifies your employment and income.

Here's how it works:Image for Kick Start

  1. Take out a Kick Start Loan for $1,000.
  2. We place the money we lend you into an account in your name. During the loan repayment period we will lock the funds up for you. This is how we help you save money.
  3. You make on-time payments for the life of the loan, and we will report your on-time payments to the credit bureaus. This helps you build your credit.
  4. When the loan is paid off, we release the $1,000 in your account, and it's yours to save or use for any purpose.

  5. After you have paid off the loan, built your credit, and saved money, you may then be eligible for a VISA credit card with a $500 limit.*

  6. Since the main purpose of this loan is to build credit, on-time payments are mandatory. If any payments are made outside the grace period, the loan will be paid off with the funds in the account.


Applying for a Kick Start Loan is quick and easy. Get started today!

 

Apply online button    Apply by phone button-AUTO    Apply in person button 



*Once the member has made at least 12 on-time monthly payments, Financial Plus may be willing to lend additional money with a $500 unsecured VISA credit card. The member is invited to apply and must be able to prove income. Rate based on credit score at time of new application.

Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. See Credit Union for complete details.