Fixed-Rate Personal Loan

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Reduced Rates on Personal Loans

For a limited time, get the cash you need for less with a reduced-rate personal loan.2

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Get money for a variety of needs and enjoy fixed monthly payments.

Take control of your finances with an affordable fixed-rate personal loan. Choose the amount and term that best fit your needs.

Borrow from $500 to $40,000. 

Promotional rates are currently available on loans ranging from $500 to $20,000.2

You can also benefit from: 

  • Competitive low rates
  • Term* of 36, 48, 60 or 72 months**
  • Fixed rate for steady repayments
  • No prepayment penalties
  • No annual fees
  • No origination fees
  • Optional Payment Protection

Easily apply online for the amount you want. Current UWCU members get a custom rate quote in less than a minute when you apply!

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Fixed Rate (36 mo.)

RATES AS LOW AS
8.23
%
APR *

Valid February 16 - May 31, 2026 for personal loans ranging from $500 to $20,0002

Find Your Rate & Apply - It's Easy!1

Find Your Rate

Click Get Started to get your rate. Don't worry—this won't affect your credit score.

Pick Your Loan

Review your options and select the loan that's right for you.

Apply

Submit your application and get approved within 1 business day!1

Get Started  View Rates

How Personal Loans Work

Personal loans are unsecured loans, which means you don’t need to pledge any collateral to receive funds. They are simple to apply for and may be used for a range of purposes.

If you are approved for a personal loan, you receive the money in one lump sum, which you then pay back in installments.

UW Credit Union personal loans feature:

  • Low Rates - Typically, personal loans have lower rates than credit cards, making them a popular option for anyone looking to consolidate high-rate debt.
  • Fixed Terms - Your loan’s rate, term and amount of money are all fixed. Rest easy knowing your payments will stay the same and your rate won’t go up.
  • No Hidden Fees - We provide clear terms and zero surprise fees. You can feel confident that you are getting the right loan for your budget and needs.

Ways to Use a Personal Loan

Personal loans can be used for a wide variety of needs, including:

  • Debt consolidation
  • Home improvements
  • Medical bills
  • Moving expenses
  • Vehicle purchase or repair
  • Adoption expenses
  • Fertility treatment
  • Wedding costs
  • Vacation or travel
  • Emergency expenses
  • Other large purchases

Get in Touch

Our local experts take personal pride in our personal loans. That's why we're always ready to answer your questions or offer advice.

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ITIN Lending - UWCU is proud to accept ITIN for personal loan applications.