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Personal Loans

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Personal Loans

Get the money you need.

Whether you have good credit, bad credit, or something in between, Florida Credit Union offers a variety of personal loans designed for your needs1. From debt consolidation loans and home improvement loans to early paycheck advances and no-collateral personal loans, we provide flexible options with competitive fixed rates and fixed monthly payments2. Applying is easy, secure, and hassle-free, whether you’re consolidating debt, financing a project, or handling an emergency personal loan need.

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Personal Loan Options

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Personal Loans

Personal financing designed to fit your goals.

A personal loan, often called a signature loan, is a type of unsecured personal loan. A personal loan’s primary requirement is the borrower’s signature and their promise to pay. Personal loans range from $3,001 to $50,000.
Apply for a Personal Loan
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No-Hassle Loans

Quick cash solutions with flexible repayment options.

Need money in a hurry? We can help even if your credit isn't perfect. No-Hassle loans or Flash loans range from $1,000 to $3,000. Our interest rates are competitive, allowing you to pay us back in affordable payments.
Apply for a No-Hassle Loan
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Debt Consolidation Loans

Take control of your debt with one lower monthly payment.

Sometimes it's not how much you owe but how many creditors you need to pay. One way to reduce stress and save money is to consolidate all your high-interest loans and credit card debt into one lower-interest payment. 

 

Apply for a Debt Consolidation Loan Learn More
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Early Check Advance® Loans (ECA)

Fast cash when you need it most.

Running low on cash, but payday is still days away? Early Check Advance® loans are affordable alternatives to high-cost payday loans. FCU members can receive paycheck advances of up to $500 at reasonable interest rates. Plus, you have until your next paycheck to repay the money.  Applying for an ECA loan is easy through FCU Anywhere online banking or mobile app.  When logged in, just select Apply Now > Apply for a Same Day Loan.
Apply for an ECA Loan
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Personal Line of Credit

Peace of mind for life’s budgeting surprises.

A personal line of credit from FCU is an electronic account providing extra money to hold you over in case of budget miscalculations. It kicks in automatically when you write a check or make a debit card purchase for more money than is in your account. 
Apply for a Line of Credit Learn More
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Home Improvement Loans

Flexible financing for repairs, renovations, and upgrades.

Improve your home – no collateral required. Estimate the cost of your home improvement project and apply for the funds you need. Get quick cash to finance your home improvement or repair projects without using your home’s equity as collateral. 
Apply for a Home Improvement Loan
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Loan Refinancing

Lower your payments, your rate, or both.

If you have a loan from another financial institution, consider refinancing it at Florida Credit Union. We may be able to reduce your monthly payments or save a chunk of money long-term with lower interest rates…. or both!
Apply for Loan Refinancing

FCU Personal Loan Benefits



Personal Loan Services Available 24/7

Florida Credit Union offers a wide range of personal loans designed to fit your needs, with the flexibility to customize your loan terms. If you're consolidating debt, tackling a home improvement project, or handling an unexpected financial need, our loans are structured to give you control over your finances. Key benefits include:

  • Competitive fixed rates as low as 10.00%4
  • Loan term from 18 to 60 months⁴ 
  • Up to $ 50,000 in one lump sum³ 
  • Application to funding from home with electronic signature 
  • Our Skip-A-Pay⁵ policy allows you to skip up to two payments per year
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Loan Payment Protection

Financial protection beyond your loan

If something happens to you, your family will have plenty to worry about. Remove loan repayments from that list of concerns. FCU offers a safety net designed to preserve the financial future of you and your loved ones. Our repayment protection plan makes loan payments in the event of disability or death of a covered member. Your premium is included in your regular loan payment, so there’s no extra payment to make.


Credit Score Enhancement and Analysis

Personalized guidance to help strengthen your financial future

Your credit score is vital to your financial success, and Florida Credit Union is committed to helping you get back on track for a better financial future. We offer free credit counseling to help you identify the best strategies for reducing debt, making on-time payments and enhancing your credit limits.

Take Control of Your Credit

Loan Calculators


Personal Loan FAQs


Personal Loans FAQs
There are many convenient and safe options for you to make a payment on your FCU loan. View your available payments options here.
  • How much you want to borrow for your loan
  • How long you'd like to finance your loan 
  • Your contact information, including Social Security Number, address, phone number and email 
  • Current employment and income (including your employer's name and contact information) 
  • Information about your co-applicant, if applicable (date of birth, address, phone number, email, income, employer's name and phone number, Social Security Number)
Yes, personal installment loans have an application fee between $25-$100 depending on your loan type. The revolving lines however, such as credit card and personal line of credit do not have an origination fee
Decisioning is provided within minutes in most cases.
You can! Contact FCU to find the perfect payment date for you.
Payments are due monthly, and you're also able to pay ahead up to six months
Yes, you can make payments up to six months. Also, there is not penalty fee to pay off your loan early

Get Started Today!


Online Loan Application

Complete an application online to get started

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Call 800-284-1144

Get connected with a FCU service representative

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Visit Us!

We have 13 locations in north and central Florida

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DISCLOSURES


1. Subject to credit approval.

2. The specific rate and term will be dependent upon your credit rating. 

3. Maximum loan size depends on your credit history, your debt-to-income ratio and other factors.

4. APR = Annual Percentage Rate. Subject to credit approval and income verification. Your rate may be higher based on your credit worthiness. Interest rate quoted as of 06/10/2026. Minimum interest rate 10.00% - Maximum interest rate 14.25%. For example, a 60-month loan of $5,000 with an interest rate of 10.00% will have an APR of 10.85%, 60 monthly payments of $108.46, and total finance charges of $1,507.68 for a total payment of $6,507.68. $100 loan processing fee. Minimum loan amount $3,001 - Maximum loan amount $50,000. Rate may vary based on the selection of auxiliary products.

5. Interest will continue to accrue when payments are skipped


The calculators found on this page are for information purposes only. While the results of the calculators may be generally accurate, the results do not reflect any specific credit union accounts, loans or other products or services and may not exactly match the calculation methods used by the credit union (or any third party) for accounts, loans or other products or services. These calculators should be used only for general informational purposes and should not be relied on for any specific transaction.