Personal Loans

personal loans

Personal Loans

Get the money you need.

Whether you have good credit, bad credit or something in between, FCU has personal loans designed for you¹. No collateral is required, applying is easy, and you can enjoy a fixed monthly payment at a competitive rate². 

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Personal Loan Services Available 24/7

We can customize an affordable personal or signature loan to meet your needs. Main features include:

  • Competitive fixed rates 
  • Loan term from 15 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

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 12 locations in north and central Florida

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Personal Loan Options

Personal Loans

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 

No-Hassle Loans

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

Debt Consolidation Loans

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

Early Check Advance® Loans (ECA)

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

Personal Line of Credit

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

Home Improvement Loans

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

Loan Refinancing

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

Loan Calculators

Loan Payment Protection

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.

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Credit Score Enhancement and Analysis

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.

Personal Loan 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


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.  Minimum APR: 10.171% - Maximum APR: 17.000%. Payment Example: A $5,000 loan at 9.75% for 60 months would have an APR of 10.607%, a monthly payment of $107.73, finance charges of $1,464.02, for a total payment amount of $6,464.02. Rates accurate as of 3/21/2022 and subject to change at anytime. 

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.