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Personal Loans

Loans for Unexpected Expenses or Consolidating Debt

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InTouch Credit Union personal loans provide you with funds when you need them most. Personal loans are unsecured loans that can help you to pay for immediate expenses, such as a surprise medical or automotive bill.

ITCU Personal Loans: Two Options to Serve You Best

Because every loan situation is different, you will want to choose the type that best meets your needs. You have options in term, amount, and how you secure your loan. With both our secured and unsecured personal loan options, you will find InTouch provides competitive rates and fast service.

Unsecured Personal Loan

The ITCU Signature Loan is an unsecured loan, which is largely based on your credit score. Your ability to repay the loan will be assessed, and your loan officer will work with you to try to match your application with your eligibility.

Signature Loans

  • Unsecured term loan
  • Competitive Rates
  • Minimum loan request is $500.00, maximum is $20,000.00
  • Does not require collateral
  • Up to 60-month term
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Secured Personal Loan

If you are looking for a loan with a lower rate, ITCU offers deposit-secured loans, based on certificates of deposit (CDs) or Regular Savings Account balances held at InTouch. In addition to a lower rate, these loans may allow you to borrow more than an unsecured loan.

Certificate (CD) Secured

  • Rate based on certificate rate
  • Loan secured by an ITCU CD Account
  • Minimum loan request is $500.00, no maximum
  • Dividends continue to accrue on CD Account Savings Secured

Savings Secured

  • Rate based on savings rate
  • Secured by up to 100% of the balance in a Regular Savings Account
  • Minimum loan request is $500.00, no maximum
  • Up to 60-month term

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Personal Loan Rates

Personal loans don’t have to be expensive. InTouch offers extremely low rates that make personal loans much more affordable than most store credit, payday loans, title loans and major credit cards. InTouch personal loans also provide a clear term and monthly payment so you always know when the loan will be paid off.

Personal Loan FAQ

Q: Is a Personal Loan a better choice than a payday loan?

A: Absolutely! Payday loans generally have fees, higher interest rates, and short terms, all of which make them harder to afford than a Personal Loan from ITCU.

Q: Can I pay off a Personal Loan early?

A: Yes. You may pay off your loan early without penalty. 

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