Personal Loans

A personal loan from Navigator Credit Union can be a great way to consolidate debt, finance home improvements, make a major purchase or cover an unexpected bill. No matter the reason, we offer competitive rates and flexible terms to help you get the money you need when you need it.

Our personal loans feature:

Rates as low as
9.99% APR

Loans from
$1,000 to $40,000

Flexible
terms

Fast processing and
quick response time

Personal loan options

  • Unsecured signature loan: A quick and easy loan that requires no collateral. Funds are received as a lump sum.
  • Personal line of credit: You can access your line of credit at an ATM, through Navigator digital banking, or any Navigator branch. Minimum payments are due monthly, with the payment amount based on a percentage of the loan balance.
  • Asset secured loan: The funds in your savings account or certificates of deposit (CDs) are used as collateral for a loan and allows you to borrow against savings without depleting them.
photo of two adults sitting in front of laptop

Overdraft coverage options

  • Overdraft protection: opt-in for overdraft protection covering purchases up to $300.
  • Overdraft transfers: for a $2 transfer fee, you can be assured that your checks and debit card purchases are covered.
  • Overdraft line of credit: for $2, funds are automatically deposited to your account from your line of credit, so you never have to worry about bouncing a check again.
Loan rates
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Loan calculator
APR = Annual Percentage Rate. Quoted rates are the lowest available rates and reflect all possible discounts. Individual rate is based on the borrower’s creditworthiness. Advertised rates may change at any time. Membership eligibility requirements apply.