Personal Loans

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Every stage of life is important, this is why we have loans for each of your milestones offering easy applications and low rates to ease the transition. From first cars to dream homes, we have a loan personalized just for you.

View general information about our Personal Loans.

Personal Loans – We know life throws a curveball just about every time we step up to the plate. This is why we offer fast and affordable personal loans to help keep you financially comfortable no matter what inning it is or how many runs you are down.

  • Low interest rates
  • Easy online application
  • Convenient electronic document signing feature
  • Free automatic transfer
  • Free online and mobile banking access 24/7
  • No prepayment penalties
  • Funds often available same day as approval

Seasonal Loans – Certain times each year present financial challenges for everyone.  We ease these needs with special rates and promotions for the personal loan that will help you most.

Open Line of Credit – With a personal Open Line of Credit you can easily transfer funds from your credit line to your checking account and use the funds when needed.

LifeStyle loans allow you to avoid financial stress and focus on making memories. 

LifeStyle Loans are available for the expenses that come with life's big moments and adventures:
  • Wedding
  • Honeymoon
  • Fertility Treatment 
  • Vacation
  • Pet/Vet Expenses
  • Elective Surgeries
                   ...and more!

     
  • Low interest rates
  • Easy online application
  • Convenient electronic document signing feature
  • Free automatic transfer
  • Free online and mobile banking access 24/7
  • No prepayment penalties
  • Funds often available same day as approval

Our Secured Loans give you the opportunity to borrow using your savings as collateral, receive a lower loan rate, and earn dividends. These loans are great for building credit and maintaining your savings.

Share Secured – With a Share Secured Loan you borrow based on the money in your savings account and receive many benefits:

  • Low interest rates
  • Borrow up to 100% of your savings account balance
  • Easy online application
  • Convenient electronic document signing feature
  • Shares continue to earn dividends
  • Free automatic transfer
  • Free online and mobile banking access 24/7
  • Loan funds often available same day as approval

Share Certificate Secured – With a Share Certificate Secured Loan you borrow based on your Share Certificate’s balance and enjoy the same benefits as our Share Secured Loan.

Buying a car can be stressful. Let us take the wheel for financing so you can walk into any dealership with confidence.

New – Salespeople can overwhelm you.  Know how much you have to spend and your monthly payment before you even speak to a salesperson.

Used – Whether you’re looking to save on the car you already have or get a used car, new to you, our Used Auto Loans are personalized for you and offer the same benefits as our New Auto Loans.

With an Auto Loan from NSWC FCU, you enjoy these features:

  • Low interest rates
  • Easy online application
  • Convenient electronic document signing feature
  • Free automatic transfer
  • Free online and mobile banking access 24/7
  • Funds often available same day as approval
  • GAP coverage and extended warranty options available

You live to ride, we live to finance. We will do the leg work so you can start exploring the open road.

New and Used Motorcycles – Get pre-approved before you start shopping and enjoy a stress free purchase.

  • Low interest rates
  • Easy online application
  • Convenient electronic document signing feature
  • Free automatic transfer
  • Free online and mobile banking access 24/7
  • Funds often available same day as approval
  • GAP coverage and extended warranty options available

New and Used Tractors – We also provide New and Used Tractor Loans with many of the same features as our Motorcycle Loans.

GAP coverage and extended warranty options not available on Tractor Loans.

They say money can’t buy happiness, but it can buy a boat, and we’ve never seen a sad person on a boat.

New and Used Boat Loans – Enjoy fast and easy financing plus:

  • Low interest rates
  • Easy online application
  • Convenient electronic document signing feature
  • Free automatic transfer
  • Free online and mobile banking access 24/7
  • Funds often available same day as approval
  • GAP coverage options available

Personal Watercraft – You get an adrenaline rush from flying across the water, we get an adrenaline rush from assisting you with the purchase. Finance your Personal Watercraft with us and enjoy many of the same benefits as our Boat Loans.

Rollovers – If you’ve already financed your water fun with someone else it is likely we have a lower rate. Refinance with us so you can spend more on the important things, like sunscreen and floaties.

GAP coverage and extended warranty options not available on Personal Watercraft Loans.

We know home is wherever you park your RV. With our RV financing you can save money and start checking destinations off of your bucket list.

  • Low interest rates
  • Easy online application
  • Convenient electronic document signing feature
  • Free automatic transfer
  • Free online and mobile banking access 24/7
  • Funds often available same day as approval
  • Gap coverage options available

Your education is important. We want you to succeed so we offer student loan options to reduce the stress of paying for school.video

For college expenses not covered by scholarships and federal loans, we have partnered with Sallie Mae to bring you loans with great repayment options and competitive rates.

To learn more or to apply, please call 1-866-439-0993 or get started here.

An equity loan allows you to use the equity in your home as collateral so you can finance what you need at a lower interest rate.

  • Low interest rates
  • Easy online application
  • Convenient electronic document signing feature
  • Free automatic transfer
  • Free online and mobile banking access 24/7