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A great loan, just when you need it

The NIHFCU’s personal (or signature) loan is a very popular way our members borrow to get cash for a specific goal, including tax obligations, debt consolidation, home repairs, major household purchases, educational expenses, a family event or an unplanned emergency. Regardless of your need, personal loans from the NIHFCU include:

  • A fixed rate currently as low as 6.99% APR1.

  • 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

Estimate out how you could save by consolidating your high-rate debt with a personal loan. Use our debt consolidation calculator to figure it out.

Are you an international fellow? Be sure to check out our popular Fellows Advantage Program to support your unique borrowing needs. Learn more

Visit our rates page for all rates and terms.

Speak to a specialist
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Checkmate, our all-purpose line of credit

Our Checkmate 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:

  • A great rate of 14.25% APR2

  • Credit limits up to $10,000

  • Apply once, and use as often as you like

  • Replenishes itself as you pay it back

  • Optional Loan Guardian debt protection

Speak to a specialist
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.


Financial wellness begins and ends with the facts. Here’s what you need to know!
1 Annual Percentage Rates (APRs) as of 7/18/18 and subject to change without notice. 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 NIHFCU TotalCare 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 example: Loan amount of $10,000 at a rate of 6.99% APR for 60 months would have monthly payments of $197.96
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.