Personal Loans

Navigate your way to greater peace of mind.

Facing unexpected expenses like your son's braces, a fender bender, or a broken water heater? Our personal loans offer competitive rates, providing you with the peace of mind that you can borrow what you need.

Cover expenses for any project you have for your home

With a quick and easy application, get going on your home repairs or upgrades sooner rather than later.

Rate and term will be determined by individual credit worthiness.

Make unexpected expenses more manageable

Unexpected expenses have a way of popping up at the most inconvenient times. Our Personal Loans give you that extra peace of mind of knowing that you’ll have the money you need when you need it, no matter what life throws at you.

Our Personal Loans feature:

For amounts over $30,000, please call us at 401-233-4700.

Bridging the gap until payday

Has an unexpected vet, medical, or auto repair bill snuck up on you? If you’re short on cash, you don’t have to wait until payday. Get the money you need now and build credit at the same time.

Our Smart Start Loans feature:

Annual Percentage Rate (APR). Rates effective as of 4/11/25. All rates are subject to change without notice. Must be an existing member and have 4 weeks of direct deposit into an existing account. Repayment example: $600.00 borrowed based on 18.00% interest over 3 months/90 days; 1st monthly payment: $206.08, 2nd monthly payment: $206.08, 3rd monthly payment: $206.07.

Borrow while building your credit

If you’re looking to build your credit or you need to make a necessary purchase but don’t want to dip into your savings, a Shared Secured Loan is a great option. With a Shared Secured Loan, you borrow against your Navigant Credit Union savings account or certificate and receive a low-rate loan, while still earning interest on the money you have pledged as collateral for the loan.

The quick way to borrow what you need

Cash Reserve Line of Credit offers the flexibility to meet your financial needs. Borrow what you need and enjoy the security of knowing cash is available for those expected or unexpected expenses that come along.

Instant credit decision for line amounts up to $5,000
Competitive variable interest rate
Alternative to carrying costly credit card balances
No collateral required
No cash advance or balance transfer fees
Low annual fee of $15

Annual Percentage Rate (APR). Rates subject to change at any time without notice. Rate will be determined by individual credit worthiness.

Personal Loans

Navigate your way to greater peace of mind.

Cover expenses for any project you have for your home

Make unexpected expenses more manageable

Bridging the gap until payday

Borrow while building your credit

The quick way to borrow what you need

Looking for help in finding the right loan products for your needs?

Get in touch with us

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Navigant Credit Union is federally insured by NCUA