Personal Loans

Low rates, simple to apply, and an experienced professional team to guide you—apply for your personal loan today.

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Consolidate Debt, Fund Home Renovations & More!

Whether you’re paying high interest on credit cards and are looking to consolidate, want to kick off a home renovation project, or simply need extra funds available to accomplish your short-term financial goals, Centris Federal Credit Union is the financial partner that will work with you to find the best personal loan option for your needs.

Why Centris

Low Rates

We offer highly competitive rates and convenient options to fit your needs.

Simple to Apply

Apply online in minutes or talk with our team to determine the best course of action for your personal needs.


Unsecured Personal Loans

An unsecured personal loan gives you the freedom to pay for unexpected expenses and new purchases or consolidate high-interest debt without collateral. Payments can automatically be deducted from your paycheck, taking the hassle out of bill paying.

Secured Personal Loans

A pledge secured loan is backed by money in your savings account and offers a great way to build credit history, which is one of the most influential pieces of your financial security. Simply pledge a portion of your savings or a certificate to Centris. The pledged amount remains in your account but is inaccessible. We give you liquid funds for the amount you pledge at a low interest rate.

Our Friendly, Professional Team Is Here for You

At Centris Federal Credit Union, we’re proud of the quality services we offer and the competitive rates on our personal loans. But we’re just as proud of our team and the commitment they have to our members.

Stop by, click, or call to discuss personal loans with our team. We’re here to talk through your specific circumstance and help you to identify the best route to achieve your financial goals.

Get Personal Loans for Your Unique Needs

iconConsolidate Debt 

iconHome Renovations
iconUnexpected Expenses

Understanding Your Personal Loan Options

Unsecured Personal Loans

An unsecured personal loan is the perfect way to get cash when you need it, and it doesn’t require collateral. Let’s look at some of the uses and benefits of unsecured personal loans.

How to Get an Unsecured Personal Loan

Qualifying for an unsecured loan depends on your credit. Because there’s no collateral involved, borrowers have to show that they’ll be able to pay back their loan.

Unsecured Personal Loan Rates

Your credit score is a factor in determining unsecured personal loan interest rates. The better the credit score, the more likely you’ll be able to get a lower interest rate on your loan.

Secured Personal Loans

By pledging collateral to obtain this type of personal loan, borrowers looking to improve their credit scores can secure much needed funds when they want it.

Personal loans to help improve your credit

Looking to improve your credit score? Secured personal loans give borrowers the opportunity to secure the funds they need. In addition, paying off this loan can help to improve your credit score.

Low Interest Rates

Because secured loans are backed by collateral, they offer lower interest rates than unsecured loans. If you’re looking to compare low rate options, considering a secured loan is the way to go.

Get Started

Apply today or get in touch with our team to learn more about your options.
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Rates may vary based on individual creditworthiness, term of loan and underwriting factors. Subject to credit approval. Programs, rates, terms and conditions are subject to change without notice. Inquire at Centris for complete terms and conditions at (800) 334-2328.