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Personal Loans

Personal Loans

The "Make Anything Happen" Loan

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Get the extra cash you need, whatever your reason may be

If you can dream it, you can make it happen with a personal loan from Fox Communities Credit Union. Fund a home improvement project, plan a wedding or take a vacation. Get out of debt faster by consolidating credit card or other debt to a lower interest rate. Need to improve your credit? We even offer loans to do just that.

When you are approved for a personal loan with Fox, you can expect a low APR (annual percentage rate) and friendly service throughout the life of your loan. Learn about our rates, terms and conditions on our daily rate sheet.

If you need a personal loan, apply today with online approval.

Apply Online

Fox personal loan options

We understand that everyone’s situation is different, so we offer a variety of personal loan options suited to various needs.

Unsecured personal loans

An unsecured personal loan is a fixed-rate loan that is not backed by collateral and is repaid in monthly installments over a specific term. Reasons to get this type of loan include debt consolidation, home improvements and large expenses.

  • Debt Consolidation

Roll your debts into one monthly payment, potentially reducing the interest you pay toward the debt and helping you pay it off faster.

  • Home Improvement

Want to finish your basement? Does your kitchen need a facelift? A personal loan can cover the costs.

  • Large Expenses

Using a personal loan to pay for your wedding or a dream vacation can help you stick to a budget.

Interested in a Fox unsecured personal loan? Apply Online

Share secured loans

This loan type is designed to help build credit and is ideal for those who need to either improve their credit score or increase their credit history.

A share secured loan uses the assets in a share account (a savings account) to back-up the loan. The equivalent assets within your savings account are frozen and become available as you pay off the loan.

View our daily rate sheet to learn about our rates, terms and conditions.

Interested in a Fox share secured loan? Apply Online

Credit builder loan

Fox’s credit builder loan is similar to a share secured loan; however, you are not required to provide money/savings up-front to get this loan.

This loan type is a way to build credit and is designed to help you establish a solid payment history. A higher credit score translates into better rates on future loans and can have a positive impact obtaining insurance and certain jobs that consider credit history.

How Fox’s credit builder loan works:

The money you borrow from Fox is put into a savings account on your behalf and held as collateral (so you cannot touch it until the loan is paid in full). You make regular monthly payments at a favorable interest rate.

When your credit builder loan is completely paid off, the money you initially borrowed is released to you. So, in the long run you’ll have saved up a nice chunk of money, and by making regular loan payments on time, you’ll have established credit or potentially improved your credit score.

You may want to use the funds for a down payment on a vehicle, education or home improvements. And if you made your loan payments on time, we’d like to sit down with you and talk about your future loans.

Our daily rate sheet outlines rates, terms and conditions.

Interested in a Fox credit builder loan? Apply Online

Kwik cash line of credit

A Kwik Cash Line of Credit is a revolving line of credit that can be accessed using digital banking. <+ button> This personal line of credit is a convenient way to borrow smaller amounts of money, or even provide overdraft protection for your checking account.

View our daily rate sheet to learn about our rates, terms and conditions.

Interested in a Kwik cash line of credit? Apply Online

Alternative loan options

In addition to personal loans, we also offer auto and truck loans, construction loans and home loans. Unsure which loan option is the right one for you? Contact us today for help and make life happen.

Additional Banking Resources







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