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Personal Loans

Explore your options when it comes to consolidating high-interest rate balances, building credit, funding special purchases, or covering major expenses. Resource One has financing to fit the needs you have.

Meet a Loan Officer by Video Chat or Call 800-375-3674

Compare and Select Your Loan

Credit Builder
Good things come to those who wait…and this includes building your credit. Working on building your credit history doesn’t have to be a challenge. Making your payments on time with this small dollar loan can be just one way to grow your credit for bigger and better things.
Available Benefits
= On the path for building credit
= Easy to understand terms
= ITIN Lending
= Fixed rate & no credit approval
Meet an Account Specialist by Video Chat or Call 800-375-3674
Small Dollar
Some loan needs are smaller than others, and Resource One has you covered with a Small Dollar loan. We are the lending alternative to payday or pawn shops that provide you with the money you need, at the time you need, without the ridiculous rates.
Available Benefits
= Cash funded at loan opening
= Easy to understand terms
= ITIN Lending
= Fixed rate
Meet an Account Specialist by Video Chat or Call 800-375-3674
Fast Cash
Do you need some cash now and later? Our Fast Cash loan has you covered for your current purchases and next year’s purchases at the same time. This partially secure loan provide you cash for expenses that show up every year, like holiday gifts, school supplies, taxes, and more.
Available Benefits
= Up to $2,000 cash
= Fixed rate
= ITIN Lending
= Exclusive loan for R1 members
Meet an Account Specialist by Video Chat or Call 800-375-3674
Home Improvement
Why would you want a Home Improvement Personal loan with Resource One vs the traditional Home Improvement loans you see in mortgage lending…how about a competitive fixed rate that’s typically lower than mortgage rates and same day funding. Plus, unlike traditional home improvement loans, this one doesn’t require your home as collateral.
Available Benefits
= No appraisals or collateral required
= Same-day funding available
= Fixed rates on up to $25,000
= Terms up to 15 years
Meet an Account Specialist by Video Chat or Call 800-375-3674
Citizenship
Because we know how complex an immigration process can be, we are with you every step of the way. To help people finance their path to U.S. citizenship, we offer Citizenship Loans to cover the costs associated with this process. We also offer a fee-based alternative for each Citizenship Loan type for people who would prefer not to pay any interest.
Available Benefits
= Cash funded at loan opening
= Easy to understand terms
= ITIN Lending
= Fixed rate
Meet an Account Specialist by Video Chat or Call 800-375-3674
Share Secure
Protect your savings and build your credit with our Share Secure loan. When you need to make a large purchase, don’t dip into your savings. Instead, use the funds in your account as collateral for a low-rate loan to use however you need while leaving your savings untouched.
Available Benefits
= Turn savings into a loan
= Fixed rate
= ITIN Lending
= Use for large purchases
Meet an Account Specialist by Video Chat or Call 800-375-3674

Loyalty Discount

Being a member has its perks! The longer you are a member, the bigger a discount you can receive on qualifying personal loans. For example, if you have been a member for 1 – 5 years, you can receive a 0.50% APR rate discount on qualifying personal loans. Have you been a member for more than five years? Lucky you! Receive up to 1.00% APR rate discount on qualifying personal loans. Let’s get started on your personal loan today.

Current Rates

Savings Builder & Credit Builder Loans

APR
as low as 9.99% APR

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of November 26, 2022. Rates are subject to change without notice.

Meet a Loan Officer by Video Chat or
Call 800-375-3674

Citizenship Loans

LoanTermAPR

Getting Started

12-month termas low as 8.74% APR or 0.00% APR with an up-front application fee

Road to Citizenship

24-month termas low as 9.24% APR or 0.00% APR with an up-front application fee

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of November 26, 2022. Rates are subject to change without notice.

Meet a Loan Officer by Video Chat or
Call 800-375-3674

Home Improvement Personal Loans

APR
Rates as low as 6.99% APR

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of November 26, 2022. Rates are subject to change without notice. Restrictions may apply; see credit union for details.

Meet a Loan Officer by Video Chat or
Call 800-375-3674

ITIN Lending

Resource One Credit Union is proud to provide financial services to members with an ITIN (Individual Taxpayer Identification Number). We approach every member the same: Creating lasting value with the right mix of products and services to assist in securing the financial future of all our members. All credit union members, whether they open their accounts with a social security number or an ITIN have access to the same low rates. If you are an ITIN holder, Resource One is here for all your financial needs, including:
ITIN Lending Icon

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1-800-375-3674

APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. Restrictions may apply; see credit union for details.

Credit Builder Loan: APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. Funds will be held in the secured account for the life of the loan. Restrictions may apply; see credit union for details.

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Federally insured by NCUA.

Resource One Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical braches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 800-375-3674 so that we may promptly assist you and remedy any accessibility concerns.