Personal Loan

Why a Personal Loan? 

Our Personal Loan is a great way to help you keep a budget that's in line with your financial goals. Consolidate debt to keep your payments low or start to pay down higher rate credit cards and loans, finance home improvements, or give yourself a quick solution to cover unexpected expenses or bills. With our low-rate loan and easy application process, you can get a low, fixed monthly payment and pay no loan origination or prepayment fees.

But why a Personal Loan instead of a credit card? 

Carrying a balance on a credit card may leave you vulnerable to late fees, transaction fees, and extra interest. Instead, with a Holiday Loan, you can receive a lump sum then have the flexibility to pay it back in equal monthly installments with low interest payments. You can borrow up to $20,000 for 60 months with rates as low as 6.99% APR.* Compared to credit card rates, which are usually between 13% and 18% APR, these rates are hard to beat! 

Not a Member?

It's easy! We can establish your membership at loan closing. See if you're eligible.

Now serving even more members in Virginia's Central Piedmont AND Valley area! 

*APR = Annual Percentage Rate. Rate effective 7/1/22. Finance rate for this offer may vary, starting as low as 6.99% APR to 17.49% APR, based on loan amount, creditworthiness, term of loan and other qualifications. Not all applicants will qualify for the lowest rate, maximum loan amount or term. Minimum loan term is 36 months. Maximum loan term is 60 months.

Payment Example: A loan of $2,500 for 36 months will have a monthly payment ranging from $77.20 to $89.80. 

All loans subject to credit approval. Other restrictions may apply. Membership eligibility required. Minimum ongoing balance of $5 is required in a UVA Community Credit Union Share Savings Account. A one-time $5 membership fee may apply if currently not a UVA Community Credit Union member.