Personal Loans - Merrimack Valley CU
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Home / Borrow / Personal Loans
personal loan, funds, unsecured, secured

When I was in a tight financial spot, MVCU was there to help.

Apply Today

personal loan, funds, unsecured, secured

When I was in a tight financial spot, MVCU was there to help.

Apply Today

Personal Loans

Four great ways to get the funds you need, when you need them

Unsecured Personal Loan

  • Perfect for: Debt Consolidation, holiday, vacation, medical expenses, and so much more!
  • No collateral necessary! Approval is based on your income & credit history.
  • Rates as low as 8.24% APR*
  • Terms up to 63 months.
  • Fixed monthly payment.

Apply Now

Secured Personal Loan

  • Perfect for: Debt Consolidation, holiday, vacation, medical expenses, and so much more!
  • The loan is secured by your Savings or Certificate account
  • Rates as low as 3.49% APR*
  • Terms up to 63 months.
  • Fixed monthly payment.

Apply Now

Personal Line of Credit

  • Perfect for: Debt Consolidation, holiday, vacation, medical expenses, and so much more!
  • Borrow what you need, when you need it
  • Fixed rate line of credit at 10.99% APR*
  • Fixed limit between $500 and $5,000
  • Annual fee of $25.00

Apply Now

Overdraft Line of Credit

  • Perfect for: Those unexpected bounced checks & declined payments
  • Avoid insufficient checking account item & 3rd Party returned check fees
  • Protect your credit history
  • Fixed rate line of credit at 18.00% APR*
  • Fixed limit between $500 and $5,000
  • Annual fee of $25.00

Apply Now

Check Your Rate

Personal Unsecured Loans
Effective Date: Tuesday, October 4th, 2022
Loan TypeAPR* as low asLoan Term in MonthsMonthly Payment per $1,000
Unsecured Personal Loans 8.24% up to 63 $20.39
Share Secured 3.49% up to 63 $17.39
Share Certificate Secured Add to Certificate 3.00% up to 63  
Overdraft Line of Credit ($500 - $2,500) 18.00% N/A  
Personal Line of Credit ($500 - $5,000) 10.99% N/A  

 

Calculate Your Payment

2.490%
2.490%
Your monthly payment is only...
354.86 for 5 years
Apply Now

MVCU, Skip A Pay, Skip Payment, auto loan, personal loan

Give yourself a little gift with Skip-A-Pay!

Skip up to one (1) loan payment per year per qualifying loan*... and YOU pick the month you want to skip!

  • Login to Online or Mobile Banking.  Select "Skip-A-Pay" from the Transfers dropdown.  
  • Select the eligible loan that you'd like to skip and follow the instructions.
  • There is a fee of $30.00 per loan per month skipped.
  • Offer applicable on Consumer closed-end loans only: Auto, Motorcycle, and/or Personal loans.

Don't have Online Banking?  Visit a branch or call us at 800-356-0067 today!  

An Easy Way to Make Your Loan Payment

Online Banking makes payments easy!

Set up your Transfers today!

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