We offer several different loan options to meet your needs:

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Term Loan

Borrow a small amount for any unexpected expense!

  • Borrow from $300 to $25,000
  • Competitive fixed rate

 

Certificate Secured Loan

Use your Credit Union Certificate as collateral for your loan.

  • Only $1,000 to open a certificate
  • $300 minimum loan amount
  • Great way to build credit
  • Competitive fixed rate

 

Share Secured Loan

Use your Credit Union Share Account as collateral for your loan.

  • $300 minimum loan amount
  • Great way to build credit
  • Competitive fixed rate

 

We make it easy to apply!

The fastest way to get a loan is to Apply Online. Or you can call us at 800.873.5100 during normal business hours, email loans@ithinkfi.org, or stop by your nearest branch to apply in person.

Personal Loans (Share Secured, Certificate Secured, and Term Loans)

Share Secured Loans

Rates As Low As*

Term*

4.00

Up to 120 months

APR*

4.00%

Certificate Secured Loans

Rates As Low As*

Term*

4.00% above Certificate rate**

Up to 120 months

APR*

+ 4.00%** above Certificate Dividend Rate

Term Loans

Rates As Low As*

Term*

10.15

Up to 60 months

APR*

10.15%-17.40%

*APR=Annual Percentage Rate. Rates based on terms, credit score, and other conditions. Inquire within for details. Not all members will qualify for the lowest auto loan rate. Rates subject to change without notice. All iTHINK Financial Loans are subject to income and identification verification. Contact a Member Service Advisor for the most current rates, terms, fees and conditions that may apply. The consumer loan disclosures are located here: Consumer Lending Plan. The loan rates are accurate as of disclosed effective date and are subject to the Modification of Plan paragraph in the Truth-In-Lending Disclosure Statement and Agreement. Terms reflected on the Loan Rate sheet are maximum terms allowed. The Credit Union may require shorter repayment terms for certain loan amounts.

**Contact the Credit Union for the present Certificate rates to determine the current APR.

Check your Loan Application Status

Want to check the status of your loan application, securely upload loan-related documents, or communicate with your Loan Officer?

Click here to access your existing loan application.

Convenient Loan Repayment Options

  • Use QuickPay to pay your Credit Union loan using a credit card, your iTHINK Financial account, or an external account. Schedule one-time or recurring payments from your computer or phone 24/7.
  • Transfer your payment from your account at another financial institution using eTransfers or contact us to set up a recurrent Direct Payment.
  • Set up recurring scheduled automatic transfers from your Credit Union checking or savings account to your loan by using Online Banking.
  • Make one-time transfers from your Credit Union checking or savings account to your loan by using Online Banking or our Mobile Banking App.
  • Make payment by mail or at a branch or at a CO-OP Shared Branch.
  • Set up email or text alerts through eAlerts for convenient payment reminders.
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