Personal Loans & Lines of Credit2021-11-22T14:53:00-06:00
Family shopping and enjoying winter

Personal Loans

Borrow the funds. Keep the memories.

Use a Personal Loan and get $150 cash back with promo code PL150BONUS7.

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Benefits of a personal loan

Fixed, low rates & affordable payments

With rates as low as 5.99% APR1, Personal Loans offer considerable interest savings over credit cards. Plus, you’ll get a fixed monthly payment that works for your budget.

Flexible uses

Use a Personal Loan to consolidate high-interest credit card debt into one manageable monthly payment. Or, use the funds to cover unexpected expenses, home repairs, weddings, vacations, and more.

Terms that work for you

With their low interest rates, terms as long as 84 months, and amounts up to $25,000, you can borrow at the rate, term, and amount that works for your needs.

Easy application & fast funding

Apply online or by phone in a few simple steps. If approved, we’ll issue you the funds you need – fast.

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“With a sudden expense occurring and having to use a credit card with high interest, coming to Connexus was the logical next step for a personal loan with a lower interest rate. I've had loans with Connexus over the years and have ALWAYS had a great experience. Thank you.”

Benefits of credit card consolidation

Ready to ditch that credit card debt? Use a Personal Loan to consolidate.

With such a difference between Personal Loan rates and credit card rates, consolidating could save you thousands. In fact, the lowest available APR for a Connexus Personal Loan is 5.99%1, while the national average credit card APR is 16.17%6.

Watch this short video to learn more about how consolidation helps.

Save $ By choosing Connexus*

Our Rates

As Low As % APR for
or 5.99% on 24 MO

National Average

  % APR for

Big Savings

You Can Save $* Over the Life of Your Loan

Lowest available personal loan rates

Personal Loan and Line of Credit Rates
TypeAPR1 As Low AsMonthly Payment
Personal Line of Credit (FlexPlus)7.74%3$209.97
Personal Line of Credit (Flex)9.24%4$217.37
Savings Secured Loan4.00%5$184.17
Accurate as of 10/04/2021

Unsecured personal loans

Unsecured Personal Loan Rates
TermAPR1 As Low AsLoan AmountMonthly Payment
24 Months5.99%$10,000$441.00
36 Months6.49%$10,000$304.82
48 Months6.99%$10,000$238.05
60 Months7.99%$10,000$201.39
72 Months8.99%$10,000$178.88
84 Months9.99%$10,000$164.60
Accurate as of 10/04/2021

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.

Learn more about personal loans

Related blog posts

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.


  • 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.

Apply now

Available loan features

FAQs: You Asked. We Answered.

Can I pay off my loan quicker than the payment schedule?2021-10-15T15:08:33-05:00

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?2021-11-03T13:21:00-05:00

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?2021-11-03T13:24:55-05:00

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 I protect myself with Life, Disability, and Unemployment coverages on my loan?2021-10-15T15:10:20-05:00

Yes, debt protection is available for all Personal Loans and Lines of Credit. See more info about our coverages or start a claim now.

Can’t find what you’re looking for? Ask us!2021-11-03T13:33:12-05:00

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    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 10/04/2021 and are subject to change. Minimum loan amount is $5,000. Maximum loan amount is $25,000. 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 National average credit card interest rate is 16.17% APR. Source: Dilworth, K. (2021, June 30). CreditCards.com.

    7 To receive $150 for opening a new personal loan at Connexus Credit Union, enter promotion code PL150BONUS in the application process between 10/04/2021 and 12/19/2021. Offer valid on new personal loans with a minimum amount of $10,000 and a term of at least 36 months. $150 will be deposited into your Connexus Savings Account within 45 days following the receipt of the first full loan payment. To be eligible for the bonus, the first payment must be paid on time. The loan must be in good standing at the time the deposit is made. The $150 is considered taxable income and is subject to income tax reporting. Offer subject to change or termination. Certain restrictions may apply. Offer does not apply to Personal Loans currently financed at Connexus Credit Union.