Personal Loans
Whether you’re consolidating debt, covering an unexpected expense, or finally organizing that Pokémon card shrine, UMe personal loans make borrowing feel refreshingly simple—with terms that fit your timeline and fixed rates that work for you.
Personal Loan Details
With UMe personal loans, you get breathing room without the fine-print gymnastics. Choose a loan that fits your goals, enjoy predictable payments, and take control of your finances on your terms.
Unsecured Personal Loans
Need flexibility without putting up collateral? Our unsecured personal loans are a great option for covering big expenses, consolidating debt, or simplifying multiple payments into one.
- No collateral required
- Fixed monthly payments for easier budgeting
- Ideal for debt consolidation and everyday needs
- One loan, one payment, less financial clutter
Share Secured Loans
Looking to build, or rebuild, your credit? A share secured loan lets you borrow against the money you already have in your UMe savings account while you work toward stronger credit.
- Designed specifically as a credit-building loan
- No traditional credit qualifications required
- Access to some of our lowest available rates²
- Your savings continue earning dividends while you repay
Certificate Secured Loans
Want to build credit while keeping your long-term savings intact? A certificate secured loan allows you to borrow against your UMe share certificate and still earn dividends along the way.
- Smart option for credit building with stability
- Competitive rates tied to your certificate²
- No need to cash out your certificate early
- Predictable payments with flexible terms
Personal Loan Benefits
Borrowing should come with fewer surprises and more peace of mind. These personal loan benefits are all about giving you confidence, clarity, and options that fit real life.
Borrow up to $25,0001
Flexible terms up to 60 months
Low fixed rates and no fees
Pay off your loan early without penalties
Current Personal Loan Rates
We like to keep things transparent. Below are our current personal loan rates. Your actual rate will be based on creditworthiness and loan type.
|
LOAN TYPE |
TERMS |
APR* AS LOW AS |
|---|---|---|
|
*APR is Annual Percentage Rate. APR is based on an evaluation of your credit worthiness. |
||
|
LOAN TYPE Personal Loan |
TERMS Up to 60 months |
APR* AS LOW AS 11.90% |
|
LOAN TYPE 90% Share Secured Loan |
TERMS Up to 60 months |
APR* AS LOW AS 2.50% over Savings Rate |
|
LOAN TYPE 90% Certificate Secured Loan |
TERMS Up to 60 months |
APR* AS LOW AS 2.50% over Share Certificate Rate |
Personal Loan Calculator
Curious what your monthly payment could look like? Our personal loan calculator gives you a quick estimate so you can plan with confidence—no guesswork required.
Personal Loan FAQs
Still have questions? No worries—here are the answers to some of the most common questions about UMe personal loans.
UMe offers unsecured personal loans, share secured loans, and certificate secured loans. Each option is designed to meet different financial goals, from everyday borrowing to intentional credit building.
Qualified members may borrow up to $25,000¹, depending on creditworthiness and loan type.
UMe personal loans feature no hidden fees, so you always know what to expect.
Yes! You can pay off your personal loan early without prepayment penalties.
Debt consolidation combines multiple high-interest debts into one loan with a fixed payment. A personal loan can simplify your finances and may help improve your credit over time when payments are made on time.
Apply for a Personal Loan
Disclosures
1 Maximum $25,000 per signature per individual in combination of all UMe unsecured limits.
2 Borrowers must secure their loan with funds deposited into a UMe Savings Account or UMe Certificate.