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
Ready Money
as low as
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.
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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.
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Flex Loans
When life throws you a curveball, a Flex Loan can help. This short-term personal loan gives you access to $500–$2,500 with straightforward terms and no hidden fees. Whether it’s a car repair, rent gap, or surprise expense, Flex offers a fair, faster way to get support when you need it.
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Rates current as of 6/1/26 and are subject to change at any time. Loans available to Verity Credit Union members only. If not an 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. *Lowest rate includes the following discount: 0.25% for automatic debit payments from an account at any financial institution.
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 11.99% - 18.00% APR.
Share secured loans have terms up to 60 months or matching Certificate term, whichever is applicable. Rates are 3% APR + Share/Certificate rate. For the latest rate information, contact us at (206) 440-9000 or (800) 444-4589.
Flex Loan terms up to 12 months with fixed monthly rates. Loan amounts from $500 to $2,500. Rate range 21.99%-22.99%. Late Charge: If your payment is more than 10 days late, you will be charged 5% of the payment or $25, whichever is greater. For the latest rate information, contact us at (206) 440-9000 or (800) 444-4589.
Shared Secure Loan Repayment Example: For a $10,000 loan at 5.00% APR for 60 months, the monthly payment would be approximately $188.76, with a total of $11,325.51 in payments, including $1,325.51 in interest charges.
You have a choice in where you bank
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