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Personal Loans

Affordable financing for your needs, whatever they may be

We know that personal loans are not a one-size-fits-all solution so we have a variety of options, depending on your end goal. If you aren’t sure what might work best for you, read below and learn more about the types of personal loans we offer.

Types of personal loans:


Personal loans

as low as

8.99 % APR

Ready Money

as low as

13.49 % APR

Credit card

as low as

11.99 % APR

You have a choice in where you bank

Verity is a local credit union that believes in socially responsible banking. We’re part of a movement working to create stronger, healthier, more sustainable communities because we believe a financial institution can do good. When you bank with Verity, your money helps make positive impacts in our vibrant communities. Rather than investing in Wall Street, about 90% of our deposits are used to invest in the local economy and members through loans, whether it’s a loan for an eco-friendly car, or adding a tiny home to your backyard. 

Why Verity?
  • Personal Loans

    Personal loans are a basic option that can cover almost any expense. Whatever your need, we’ll help you get it with a low-rate, lump sum loan. Plus, having a set monthly payment and term limits up to 5 years helps you budget now and into the future. The online application process is quick and easy so you can get your funds faster.

    Apply Now
  • Ready Money Line of Credit

    Expect the unexpected with a personal line of credit. Buy what you need, up to your credit limit, and pay interest only on the amount you borrow. Ready Money is an ideal option if you would like access to funds at any time with no waiting period.

    In addition to a low interest rate, you can avoid paying unnecessary interest on overestimated lump sum loans. Ready Money accounts can also act as overdraft protection for your checking account. And when you're ready to pay your balance down to $0, you can easily do so through Digital Banking

    Apply Now
  • Credit Builder Loan

    Whether you are just starting to build your credit or if you have a challenging history, we can help! Installment loans, like our credit builder loan, can improve your credit score. With this loan, you can establish or build your credit by having the funds held in a savings account and then the loan funds are released to you as you make your monthly payments. Plus, our credit builder loan has a fixed rate that is not dependent on your creditworthiness.

    • Loan amounts up to $2500
    • Terms up to 36 months
    • No money down
    • Fixed rate of 9.99% APR

    Must be at least 18 years old to apply. Verification of income required for all applicants. Must be employed at least 20 hours per week and have same employer for at least 6 months. 

    Apply Now
  • Share Secured Loan

    Use your savings without actually using your savings. With a share-secured loan, we will use your savings as collateral and will free it up as you repay your balance. In the meantime, your savings will continue to grow and earn interest. Share-secured loans can be used for practically any purpose and feature our lowest interest rate.

    Apply Now

Loans available to Verity Credit Union members only. If not existing member at time applying for loan, applicant will be required to establish Prime Share membership account as part of loan funding. $5 membership fee is required to join Verity. The APR you receive for personal loans and lines of credit is based on your creditworthiness, repayment schedule, and repayment method. 
Personal loan terms up to 60 months with fixed monthly rates. Rate range 8.99 % - 19.99% APR.
Ready Money line of credit rates vary in accordance with market based Prime Rate. Range of 13.49 % - 18.00% APR.
Credit Builder loan features fixed rate of 9.99% APR with maximum loan term of 36 months and loan amount of $2,500.
Share secured loans have terms up to 60 months or matching Certificate term, whichever is applicable. Rates are 3% APR + Share/Certificate rate. 

You have a choice in where you bank

Apply Now