A Personal Loan to Fit Your Needs
Low rates, convenient and simple to apply and an experienced professional team to help guide you. Apply for your personal loan today.
Consolidate Debt, Fund Home Renovations & More!
Whether you’re paying high interest on credit cards and are looking to consolidate, wanting to kick off a home renovation project, or you 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.
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.
Apply online, visit your nearest Centris branch or give us a call to discuss personal loans with our team of experts. We’re here to talk through your specific circumstance and help you to identify the best route to achieve your financial goals.
Personal Loan Options Based On Your Needs
Consolidate Debt
Home Renovations
Unexpected ExpensesUnderstanding 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.
Current Rates
Personal Loans (Secured)
Share or Certificate Secured
| Approx. Term | APR |
|---|---|
| 12-60 Months | As low as 9.25%* |
| 61-72 Months | As low as 9.50%* |
Personal Loans (Unsecured)
| Approx. Term | APR |
|---|---|
| 12-24 Months | As low as 11.24%* |
| 25-48 Months | As low as 11.49%* |
| 49-60 Months | As low as 11.74%* |
| 61-72 Months | As low as 12.24%* |
Get Started
Apply today or get in touch with our team to learn more about your options.