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 the 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 to building credit
  • Easy-to-understand terms
  • ITIN Lending
  • Fixed-rate & no credit approval

QuickCash

Your alternative to payday lending. You have access to hassle-free, 24/7/365 financial support that comes with no credit checks and a fast approval response. Our interest rates are designed to be reasonable and manageable, ensuring that you can repay the loan without falling into a debt spiral.

Available Benefits

  • Completely self-service
  • Loan amounts from $200 – $2,000
  • ITIN Lending
  • Apply online via mobile app or home banking

Fast Cash

Do you need some cash now and later? Our Fast Cash loan covers you simultaneously for your current and next year’s purchases. This partially secure loan provides you with 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

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

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

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
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Loyalty Discount

Being a member has its perks! The longer you are a member, the bigger the 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 a 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 10.99% 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 March 19, 2024. Rates are subject to change without notice.

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

Citizenship Loans

loan term apr
Getting Started 12 month 9.74% APR or 0.00% APR with an up-front application fee
Road to Citizenship 24 month 10.24% 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 March 19, 2024. Rates are subject to change without notice.

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

Home Improvement Personal Loans

apr
Rates as low as 7.99% 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. Restrictions may apply; see credit union for details. Rates as of March 19, 2024. Rates are subject to change without notice.

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

ITIN Lending

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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:

Ready to Get Started?