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  • Personal Loans & Lines of Credit2019-11-11T16:49:25-06:00

    Personal Loans
    Connexus Will Donate $100 to Toys for Tots With Every Personal Loan7

    Make a Difference by Using Promo Code GIVEBACK When You Apply

    Apply Now

    Call 800.845.5025

    Borrow Joyfully, Support Selflessly

    This year, we partnered with Toys for Tots to help less fortunate children experience holiday joy. If you apply with promo code GIVEBACK, we’ll donate $100 to Toys for Tots and you’ll get access to a promotional rate as low as 7.99% APR6.

    Your Gift

    7.99%

    A promotional rate as low as 7.99% APR6

    Our Gift

    $100

    Connexus Will Donate $100 for Toys for Tots7

    So far our members have helped us raise over $30,900 to give to Toys for Tots

    Save $ By Choosing Connexus*

    Our Rates

    As Low As % APR for

    National Average

      % APR for

    Big Savings

    You Can Save $* Over the Life of Your Loan

    Lowest Available Rates

    Personal Loan and Line of Credit Rates
    TypeAPR1 As Low AsMonthly Payment
    Secured3.24%2$180.76
    Unsecured7.99%7$202.72
    Personal Line of Credit (FlexPlus)9.24%3$209.97
    Personal Line of Credit (Flex)10.74%4$217.37
    Savings Secured Loan4.00%5$184.17
    Accurate as of 10/31/2019

    Secured and Unsecured Personal Loan rates include a 1% discount when registered to Digital Banking and subscribed to eStatements, and a 1% discount for auto-paying electronically. Personal Lines of Credit and Savings Secured Loans are excluded from rate discounts.

    Figure Out Your Monthly Payment

    Use our calculator to find out how much your monthly payments could be.

    Personal Loan Calculator

    Learn More About Personal Loans

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    Personal Lines of Credit

    A Personal Line of Credit is a great solution if you have unexpected expenses. Our Flex and FlexPlus Lines of Credit are treated as a loan, so you only pay interest on the funds you actually borrow.

    Features

    • Multiple Interest Rate Adjustment Options — Flex Line of Credit adjusts monthly. FlexPlus Line of Credit adjusts quarterly.
    • Flexible Line Amounts — Flex Line of Credit amounts range from $3,000 to $15,000. FlexPlus Line of Credit amounts range from $5,000 to $25,000.
    • Low Payments — Minimum payments are 2% of the balance3,4.
    • No Collateral Required — You can feel safe about your borrowing.
    • No Annual Fees — Less fees means more money in your pocket.
    • Biweekly Payment Option Available — Two biweekly payments equal one monthly payment.

    FAQs: You Asked. We Answered.

    Can I pay off my loan quicker than the payment schedule?2017-06-29T11:19:32-06:00

    Of course! There’s no prepayment penalty for paying off your loan early. Doing so will actually help you save on interest over the long run.

    What is the difference between a Personal Loan and a Personal Line of Credit?2017-06-29T11:19:39-06:00

    A Personal Loan has a set number of payments called the loan term (for example, 48 months). After you have made all 48 payments your loan is paid off and closed. A Personal Line of Credit has a minimum monthly payment, but no set term. You can advance your loan funds, pay it off, and repeat. It gives payment flexibility by allowing you to make the minimum payment or more, up to the full balance. The line stays open until you request it be closed.

    What information do I need in order to complete my application?2018-12-12T14:06:56-06:00

    To complete your application, you will need to provide:

    • Desired loan amount and term
    • Personal information (name, address, DOB, SSN)
    • Contact information (phone, email)
    • Financial information (monthly income & mortgage/rent)

    You can apply online, over the phone, or at any branch location.

    Can’t find what you’re looking for? Ask us!2017-08-15T16:52:05-06:00

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    Disclosures

    See our Fee Schedule for a list of fees you may encounter.

    *  Accurate as of:  . Source: Datatrac.

    1 APR= Annual Percentage Rate. Rates are effective as of 10/31/2019 and are subject to change. Payments calculated on a loan amount of $10,000 and a term of 60 months. Individual rates and terms may vary and include all eligible discounts. Certain restrictions may apply. Not valid on tuition expenses and interest is not tax deductible. Loans currently financed with Connexus Credit Union are not eligible.

    2 Loan amount minimum is $2,500; loan amount maximum is $25,000.

    3 Rates adjust monthly based on prime plus a margin and applies to the entire outstanding balance. Finance charge begins to accrue on the day the advance is made on the line. Maximum rate is 18.00% APR. Payments are calculated on 2% of the outstanding balance. Loan amount minimum is $5,000; loan amount maximum is $25,000. Certain fees may apply, please refer to the Fee Schedule for more details.

    4 Rates adjust quarterly based on prime plus a margin and applies to the entire outstanding balance. Finance charge begins to accrue on the day the advance is made on the line. Maximum rate is 18.00% APR. Payments are calculated on 2% of the outstanding balance. Loan amount minimum is $3,000; loan amount maximum is $15,000. Certain fees may apply, please refer to the Fee Schedule for more details.

    5 APY = Annual Percentage Yield. Rate is fixed and is based on 4% over the current account APY. No minimum loan amount; maximum loan amount of $100,000.

    6 To qualify for the lowest available rate of 7.99% APR enter promotion code GIVEBACK between 10/14/2019 to 12/29/2019. Advertised rate includes all eligible discounts and is the lowest rate available. Individual rates and terms may vary based on credit requirements. Minimum loan amount is $5,000. Maximum loan amount is $25,000. Certain restrictions may apply. Offer does not apply to Personal Loans currently financed at Connexus Credit Union.

    7 Connexus Credit Union will donate $100 to the Toys for Tots Foundation for each Personal Loan that is funded from 10/14/19 to 12/29/19. To qualify, applicants must borrow a minimum of $5,000 and enter promotion code GIVEBACK in their application for a Personal Loan. The donation will be presented by 1/31/20. The maximum total donation for this promotion is $40,000.