Loan Options

Whether you are looking for an auto loan to buy your dream car or a personal loan to help you over the hump, NETFCU has your back. Our loan department is ran by professionals that will work with you and your specific situation. A major purchase or expense requires smart financing options.

New & Used Autos

Whether it's your first auto loan or a refinance, we make it simple. Get quick approval and affordable payments, so you can focus on the road ahead. Get pre-approve now!

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New & Used Motorcycles

Ready to hit the open road? Don’t let financing stand in your way. We accept new or used motorcycles. No excuses. Ready to ride? Apply today!

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Unsecured Personal Loan

Tackle unexpected expenses or consolidate high-interest debt with NETFCU personal loans. We offer competitive rates and a straightforward process, so you can focus on what matters. Let us help you achieve your financial goals today.

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Secured Personal Loan

Need to save money and obtain a loan? Look no further. With our secured personal loans, you can pledge your CD, Money Market, or Share account to get a favorable rate. No need to stop saving for your future!

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New & Used Auto Rates

New and Used Auto Loan Rates¹

Age of Vehicle	Term	APR as low as ^{2, 4}	Est Pmt per $1,000
2022 and Newer	3 Year Term	5.74%	$30.29
	4 Year Term	5.99%	$23.47
	5 Year Term	5.99%	$19.32
	6 Year Term	6.99%	$17.04
2017 - 2021	3 Year Term	6.24%	$30.53
	4 Year Term	6.74%	$23.83
	5 Year Term	8.99%	$20.75

New & Used Motorcycle Rates

New and Used Motorcycle Loan Rates¹

Age of Vehicle	Term	APR as low as ^{2, 4}	Pmt per $1,000
2022 and Newer	3 Year Term	5.99%	$30.42
	4 Year Term	6.99%	$23.94
	5 Year Term	8.99%	$20.75
2017 - 2021	3 Year Term	8.99%	$31.80
	4 Year Term	9.99%	$24.36
	5 Year Term	10.99%	$21.74

Personal Unsecured Loan Rates

Personal (Unsecured) Loan Rates

Loan Type	APR as low as ²	Pmt per $1,000
Personal*	10.50	$25.60
Tuition Assistance Pd. to School*	6.75%	$23.83
Credit Builder $2,000 max.	For borrowers with limited or no credit - 15.00%	$48.42
Credit Corrector $1,500 max.	To consolidate outstanding debts - 16.75%	$49.38
*Maximum Term = 48 months.

Share Secured Loan Rates

Share Secured Loan Rates³

Term of Loan	Collateral	APR as low as ⁴
Up to 60 Months	Share Account	3.00% above share rate
N/A	Certificate of Deposit	3.00% above CD rate

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1- Maximum LTV on vehicle loans may vary based on credit score. Maximum age of vehicle is 9 years. Maximum mileage up to 100,000, determined by age of vehicle.

2- APR - Annual Percentage Rates listed are based on credit history and credit score. APRs quoted reflect a 1.00% discount for payroll deduction and automatic payment from a NETFCU account. Other rates and terms may be available. Rates subject to change without notice.

3- May borrow up to 95% of account balance. 100% of share account balance will be pledged as collateral for the loan.

4- APR - Annual Percentage Rate (APR) quoted reflects a 1.00% discount for payroll deduction and automatic payment from a NETFCU account. Other rates and terms may be available. Rates subject to change without notice.