Competitive rates
Get some of the most competitive personal loan rates around — including low APR personal loan options for qualified borrowers.
Personal Loans
Borrow money to reach your goals, cover life’s unexpected expenses, or consolidate higher-interest debt — all with flexible personal loans designed around you. A Navigator Credit Union personal loan gives you competitive local rates, predictable payments, and fast, friendly service.
Flexible funding for life’s expected and unexpected costs
Loan amounts for every need
Borrow $1,000 to $40,000 for almost any purpose, from paying off credit cards to financing a wedding or handling an emergency expense.
Flexible repayment terms
Choose a loan term that fits your budget and lifestyle, with predictable monthly payments for up to 60 months.
Fast, local decisions
With 100% local decision-making, many personal loan applications are approved within just a few business days.
Unsecured signature loan
Take advantage of opportunities and handle life’s challenges with an unsecured personal loan from Navigator Credit Union. This low APR personal loan option requires no collateral and delivers funds quickly as a lump sum.
Best for: One-time expenses, debt consolidation, or major purchases.
Features:
- No collateral required
- Receive funds as a one-time lump sum
- Fixed interest rate and predictable monthly payments
- No prepayment penalties
Personal line of credit
Need ongoing access to funds for unexpected or recurring expenses? A personal line of credit gives you flexibility similar to a credit card, but typically at a lower rate.
Best for: Ongoing projects, emergency expenses, or overdraft protection.
Features:
- Revolving credit — borrow, repay, and borrow again
- Pay interest only on the amount you use
- Access funds via digital banking, or any Navigator branch
- Fixed interest rate
- Can be linked to checking for overdraft protection
Asset-secured loan
Looking for a more affordable way to borrow or a smart option to build or rebuild credit? An asset-secured loan allows you to use your savings or share certificates as collateral while keeping your funds intact.
Best for: Lower rates, higher borrowing power, or credit-building goals.
Features:
- Use savings or certificates (CDs) as collateral
- Borrow against your savings without depleting them
- Typically lower interest rates than unsecured loans
- Fixed monthly payments to help establish positive credit history
- Automatic payment options available
Debt Consolidation Calculator
A personal loan can be a smart way to manage high-interest credit card debt. Use our debt consolidation calculator to estimate monthly payments based on different loan amounts and repayment terms.
Membership resources
It pays to be a member of Navigator Credit Union. Whether you’re looking to spend, save, borrow, or invest, we’re here to help you reach your next financial milestone.
Loan rates
Hard-to-beat local rates for every borrowing need.
Financial calculators
Plan ahead with calculators for loans, mortgages, retirement, and more.
Digital banking
Manage your loans anytime, anywhere.
Financial education
Borrow smarter with free financial education resources.
Contact us
Personal loan FAQs
Personal loan funds can be used for almost any purpose, including debt consolidation, home improvements, unexpected medical expenses, weddings, vacations, or major purchases. With lower rates and more flexible terms than most credit cards or payday loans, personal loans are a popular borrowing option.
Navigator Credit Union offers personal loans from $1,000 up to $40,000, depending on credit qualifications.
Please see best rate available on our rates page.
An unsecured personal loan — also called a signature loan — does not require collateral. Approval is based on your credit profile, income, and ability to repay, and the loan is secured by your promise to repay rather than an asset.
No. Unsecured signature loans typically feature a fixed APR, so your monthly payment stays the same for the life of the loan, assuming on-time payments.
A personal line of credit is a revolving loan that allows you to borrow up to a set limit, repay what you use, and borrow again during the approved timeframe. You only pay interest on the amount you borrow.
Yes. You can link your personal line of credit to your checking account to automatically cover overdrafts when unexpected expenses occur.
An asset-secured loan uses funds from your savings account or CD as collateral. Because the lender takes on less risk, these loans often come with lower interest rates and may be easier to qualify for.
- Choose an unsecured personal loan for one-time expenses or debt consolidation
- Choose a personal line of credit for ongoing or unpredictable costs
- Choose an asset-secured loan if you want lower rates or to build credit using your savings
Our lending team is happy to help you compare options and choose the right solution.
Explore accounts
Auto loans
Get where you’re going with flexible financing for new and used vehicles. Navigator Credit Union offers competitive auto loan rates, and you don’t need to be a member to apply.
Credit cards
Make everyday purchases easier, consolidate debt, build your credit, and earn generous rewards with the Navigator Platinum Rewards Mastercard®.
Mortgages
Whether you’re buying your first home or investing in a second property, our experienced mortgage team is here to guide you through every step of the homebuying process.