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Overview
Personal Loan ~Holiday Sale~
Sale runs November 1 - December 31
Unwrap extra cash for the holidays with Personal Loan rates as low as 6.49% APR* for 2 years! Whether it’s jet-setting for a snowy getaway, decking the halls in style, or buying that perfect present, our Holiday Personal Loan is the easy way to make merry and bright fit right into your budget.
- As low as 8.74% 6.49% APR* for 24 months
- Or, up to 1.00% off your qualifying rate
- Borrow up to $25,000
- Get an Instant Decision and Same-Day Funds**
- Limited Time sale runs November 1 through December 31, 2025
Instant Loan Review
See how much you can save on monthly payments in seconds.
NO CREDIT CHECK REQUIRED!*
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Rates
Personal Loan Rates
Loan Products Terms APR* Personal Loan
12 months 6.49%1 Apply Now 24 months 6.49%1 Apply Now 36 months 8.74%1 Apply Now 48 months 9.24%1 Apply Now 60 months 9.74%1 Apply Now Rates are accurate as of 11/1/2025 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply. -
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FAQ
Personal Loan Promo FAQs
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How do I get Same-Day Funding?
Same-day funding is possible for applications received prior to 12pm each business day, Monday through Friday. Subject to meeting credit underwriting criteria. Other factors and restrictions apply.
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Can I use this loan to refinance another loan from a different financial institution?
Yes! With credit approval, we can refinance your loan from another financial institution to reduce your interest rate and monthly payments.
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How do I set up automatic payments?
There are two easy options to set up automatic payments:
- Transfer Between UHFCU accounts: You may make loan payments by transferring from an eligible UHFCU deposit account to your loan account using Online Banking. Transfers can be set up as one-time transfers or scheduled on a regular basis for even more convenience.
- Make automatic payments from another bank/credit union to UHFCU: Make automatic payments from outside the Credit Union to your UHFCU savings or checking account. Simply provide the sender our Routing and Transit number (321379656) and your Savings account number (4 or 5 digit) or your 10 digit checking account number. (The Checking account number can be found printed on the bottom of your checks.)
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How do I get Same-Day Funding?
*Annual Percentage Rate (APR). 6.49% rate applies to 24-month (or less) Personal Loan and is the lowest rate available. 1.00% discount off qualifying rate applies to applicants with credit scores between 615 and 719. Automatic payments are required to earn the fully discounted rate. $25,000 maximum loan amount. New or existing UHFCU Checking account required to qualify for special rate. Offer begins 11/1/25 and ends 12/31/25. Loan must fund by 1/5/26. Rate may vary depending on each individual’s credit history and underwriting factors. Payment example: Loan amount of $5,000 at 6.49% for 24 months would have a monthly principal and interest payment of $222.71. Rates, programs, terms, and conditions are subject to change at any time without notice. Certain restrictions apply.
**Same-day funding possible for applications received prior to 12pm each business day, Monday through Friday. Subject to meeting credit underwriting criteria. Other factors and restrictions may apply.
