Personal Loans & Lines
The versatile loan for virtually anything.
Convenient access to funds for virtually any need.
From consolidating debt, to managing emergency expenses, and virtually anything in between, a personal loan or line may be the perfect solution.
Personal Loan – Features & Benefits
A great option for specific and immediate needs such as debt consolidation, large household purchases, emergencies, and more.
- Low fixed rates and predictable payments for the life of the loan
- Loan amounts up to $50,000
- Flexible repayment terms to help manage your budget
- No collateral requirements
- Option to pause one payment every 12 months1
- Optional debt protection available for added peace of mind
Personal Line of Credit – Features & Benefits
A convenient way to access cash for everyday and urgent needs and is often used as overdraft protection for your checking account.
- Revolving credit automatically replenishes as you pay it back
- Generous limits with lines up to $25,000 available
- Flexible terms including a 5-year draw period and a 5-year repayment term
- Optional debt protection available for added peace of mind
Today’s Rates
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Term |
Annual Percentage Rate (APR)* |
|---|---|
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All rates, fees, and terms as of 01/20/2026 and subject to change without notice. *For highly qualified applicants. Final rates and terms for approved applicants depend on credit and payment history, payment method and other factors which may be lawfully considered. Restrictions may apply. Payment example: Loan amount of $20,000 at a rate of 7.99% APR for 36 months would have monthly payments of $626.64. Includes 0.25% off for automatic-debit of loan payment from an NIHFCU savings or checking account. |
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Term 36 Months |
Annual Percentage Rate (APR)* As low as 7.99% |
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Term 48 Months |
Annual Percentage Rate (APR)* As low as 8.99% |
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Term 60 Months |
Annual Percentage Rate (APR)* As low as 11.24% |
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Loan Type |
Annual Percentage Rate (APR)* |
|---|---|
|
All rates, fees, and terms as of 01/20/2026 and subject to change without notice. *For highly qualified applicants. Final rates and terms for approved applicants depend on credit and payment history, payment method and other factors which may be lawfully considered. Restrictions may apply. Payment example: Loan amount of $20,000 at a rate of 10.74% APR for 36 months would have monthly payments of $652.31. Includes 0.25% off for automatic-debit of loan payment from an NIHFCU savings or checking account. |
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|
Loan Type Personal Line of Credit |
Annual Percentage Rate (APR)* As low as 10.74% |
Easy Process!
I am saving money by rolling my other debt into one personal loan. Easy application and quick process. Thanks!
Mare R, D.C.
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Let us help you make informed decisions for your specific borrowing needs.
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Disclosures
All information as of 01/20/2026 and subject to change without notice.
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1)
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.