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Personal Loans

We make borrowing easy breezy.

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Whether you want to consolidate debt, rebuild your credit, or build a shrine for your rare Pokemon cards (to each his own), we have affordable solutions for you.

The Details

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Borrow up to $25,0001

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Flexible terms up to 60 months

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Low fixed rates and no fees

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Pay off your loan early without penalties

Improve or (re)build your credit

Balance Transfers

Here’s why: Taking out a personal loan to consolidate debt could lower your utilization rate to 0%, which could help your score. Though you aren’t really getting out of debt, just converting it, the credit-scoring models don’t see it that way, so your credit score could rise — as long as you make timely payments on your loan.

Why it’s important: Your credit utilization ratio (the amount of revolving credit you’re currently using divided by the total amount of revolving credit you have available) is one of the most important factors in your credit score. Keeping that low can boost your credit score and help you get better rates on future loans.

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Share/Certificate Secured Loans

Looking to (re)build your credit? We’ve got a loan for that. By using the money you have in your savings account or certificate account as collateral, share secured loans can provide you with competitive low rates with convenient repayment terms.

  • Great for building credit
  • No credit qualifications required
  • Access to our lowest interest rate2
  • Borrow against your own savings
  • Continue to earn interest on your savings
  • Terms up to 60 months
secure loans

Current Rates

Personal Loans

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

6.90%

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

Apply for a Personal Loan

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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.