Personal Loans For Just About Anything
Money When You Need It Most
Home Improvements
Complete those much needed home repairs or start that long awaited home project.
Debt Consolidation
Save money by consolidating high interest credit card debt into a low interest loan.
Vacations
New Computer
Competitive Rates
| Loan Type | Term | APR |
|---|---|---|
| Personal Loan Greater than $5,000 | Up to 48 Months | 11.25%10 |
| Holiday Loan | 12 Months | 9.25%20 |
Calculate My Payments
Complete the form below to calculate your personal loan payment amount and breakdown.
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Personal Loans Made Easy
Quick Application
Complete our online application in 15 minutes and get an instant decision.
No Collateral
Our personal loans do not require you to put up any collateral to secure the loan.
No Early Payment Fees
Want to pay off your loan early? No problem — you will not incur any early payment penalties.
Flexible Terms
Our flexible loan terms allow you to pay off your loan on a schedule that works best for you.
Personal Loan FAQ
You have questions. We have answers. See below for a list of our most frequently asked personal loan questions.
While personal loans can be used for many reasons, they do require a lending purpose and have certain restrictions. For more detailed information contact our customer service team at 800-742-2848.
For your convenience, we offer same day decisions on personal loan applications in most cases. For more details on personal loans contact our customer service team at 800-742-2848.
Membership is not required to apply for a loan with R.I.A. Federal Credit Union. However, you will need to become a member to finalize the loan. When you open an account with us you become a member of our credit union.
Disclaimer
10. Personal Loans
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- Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
- Loans are subject to credit approval. Restrictions may apply.
- APR is Annual Percentage Rate. Rate is fixed (non-variable). This offer is for new money only, no internal refinances. 11.25% APR. Limited time offer based on capacity to repay. Personal loan example: 48 monthly payments of $25.97 per $1,000 borrowed at 11.25% APR. All loans are subject to approval.
- See Rates and Fees Schedule
20. Holiday Loans
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- Rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications.
- Loans are subject to credit approval. Restrictions may apply.
- APR is Annual Percentage Rate. Rate is fixed (non-variable). Offer is a signature loan from $500 to $5,000 for a maximum term of 12 months. Loan proceeds must be new money. Up to $500 roll in of a current RIAFCU loan balance to pay off a current loan. Limited time offer based on capacity to repay. Personal loan example: 12 monthly payments of $87.57 per $1,000 borrowed at 9.25% APR. All loans are subject to approval.
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Still Have Questions?
Get Started
Ready to take on that next project? Get started by applying for a personal loan with R.I.A. today.