We offer several different loan options to meet your needs:
One Personal Loan. Many Ways to Use It.
Life doesn’t always wait until your budget is ready. An iTHINK Financial Personal Loan gives you a simple, affordable way to consolidate debt, finance something important, or cover personal expenses — all with clear terms and no upfront costs.
Use Your Loan Your Way
A personal loan can help when you need flexibility without the guesswork.
Common ways members use personal loans:
Consolidate higher-interest debt into one monthly payment
Cover unexpected expenses
Pay for personal needs or life events
Finance purchases without putting them on a credit card
Create breathing room in your monthly budget
One loan. One payment. More control.
Why Consolidate Your Debt?
Managing multiple balances can be overwhelming. Debt consolidation combines those balances into one fixed payment, making it easier to stay organized and on track.
When you follow a consistent payment plan, consolidation can help you:
Reduce the number of monthly payments
Pay less in interest over time
Avoid late fees and missed due dates
Simplify budgeting with predictable payments
Focus on paying down debt instead of juggling bills
Loan Features That Put You in Control
Borrow confidently with terms designed to support your financial goals.
iTHINK Financial Personal Loan benefits include:
No application fees — apply with no upfront costs
Fixed interest rates — payments stay the same over time
Budget-friendly, predictable payments
No prepayment penalties — pay off your loan early at no extra charge
Flexible borrowing amounts — borrow $500 to $2,500, based on your needs and qualifications
A Smarter Way to Borrow
Whether you’re consolidating debt, financing something important, or covering a personal expense, a personal loan can help you move forward without financial guesswork.
Clear terms. One monthly payment. Confidence you can plan around.
Apply today and borrow with confidence at iTHINK Financial.
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
Certificate Secured Loans
Term Loans
*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?
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.