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Personal (signature) Loan

A great loan, just when you need it! This loan is a very popular way to get cash for a specific need such as debt consolidation, home repairs, major household purchases, educational expenses, a family event, or an unplanned emergency. An NIHFCU signature loan includes:

  • A fixed-rate currently as low as 7.99% APR1.  See all rates

  • Amounts up to $50,000

  • Terms of 36, 48, and 60 months

  • No collateral requirements

  • Skip-a-payment option every 12 months2

  • Optional Loan Guardian debt protection

Consolidating debt? Use our debt consolidation calculator to estimate your potential savings.

Are you a visiting NIHFCU fellow?  Check out our Fellows Advantage Program to support your unique borrowing needs.

Note: Additional conditions may apply.
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NIHFCU member paying bills with NIHFCU Online Banking
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Home Improvement Loans

A perfect way to help homeowners finance that home project they’ve always wanted to undertake.  This loan is popular for those who may not have the cash on hand or the equity in their home to renovate, upgrade or remodel their property.

  • A fixed rate currently as low as 7.49% APR1.  See all rates

  • Amounts up to $40,000

  • Terms of 36, 48 and 84 and 120 months

  • No collateral, no inspections and no origination fees *

  • Optional Loan Guardian debt protection

  • To receive funds for this loan, a contractor’s estimate or bid/material list itemizing the improvements is required.

>>> Need more? Check out our home equity loans up to 133% of your available equity!

* This loan is available for the borrower’s primary single-family or townhouse residence only (mobile homes, rental or investment properties are excluded).  Additional conditions may apply.
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Personal Line of Credit - our all-purpose line of credit

Our Personal Line of Credit is a convenient way to access cash for everyday and urgent needs, and is often used as overdraft protection for your checking account. It features:

  • Rates as low as 10.74% APR1 with NIHFCU Total Care Checking auto payment

  • Credit limits up to $25,000

  • 5 year draw period with a 5 year repayment period

  • Replenishes itself as you pay it back

  • Optional Loan Guardian debt protection

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NIHFCU Member filling out personal loan application
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Additional loan options

Check out other secured and unsecured loan options to meet your unique borrowing needs. Learn more

five stars

Easy process

I am saving money by rolling my other debt into one personal loan. Easy application and quick process. Thanks!

Mare R.

DC

Rates, fees and terms as of July 14, 2025 and subject to change without notice

Financial wellness begins and ends with the facts. Here’s what you need to know!
1 APR = Annual Percentage Rate. The lowest APR shown is available to applicants with excellent credit and includes a rate discount of 0.25% for automatic-debit loan payments from an NIHFCU savings or checking account. If automatic payment ceases before loan is paid in full, the interest rate will increase by 0.25%. Restrictions may apply. Final rates and terms for approved applications depend on credit and payment history, payment method and other factors that may be lawfully considered. Payment examples: A personal (signature) Loan amount of $10,000 at a rate of 7.99% APR for 60 months would have monthly payments of $202.72. Home Improvement Loan amount of $10,000 at a rate of 7.24% for 36 months would have monthly payments of $309.87.
2 Skipping a payment will delay the payoff of your loan, and result in additional finance charges if you only make minimum payments. You need to make up the payment skipped. Auto loan skip-a-pay program is subject to change at any time; restrictions apply. Complete the Payment Vacation form to enroll.