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
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
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
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
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
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
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
| 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 September 29, 2023. Rates are subject to change without notice. |
Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.
| 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 September 29, 2023. Rates are subject to change without notice. |
||
Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.
| 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 September 29, 2023. Rates are subject to change without notice. |
Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.
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:
Ready to Get Started?
Virtual Branch
Ready to apply now, meet with our virtual branch staff through video chat.
