Real Life Loans
Quick Approvals. Easy Application.
Borrow Your Way
Life happens—and sometimes you need a little extra cash to keep things moving. Whether you’re consolidating debt, tackling unexpected expenses, or finally starting that dream project, a personal loan from RadiFi gives you the flexibility and freedom to make it happen. With fixed payments, competitive rates, and no collateral required, it’s financing on your terms—with local service you can count on.
Personal Loans
Just you and your signature is enough to access the funds you need to overcome surprise expenses with a Personal Loan from RadiFi.
Line of Credit
Be ready for anything with an open-ended Personal Line of Credit that allows additional advances on your credit line.
Overdraft Line of Credit
Make overdraft fees a thing of the distant past. Establish an Overdraft Line of Credit to transfer funds into a Checking Account to prevent bounced checks.
Share Secured Loan
Start building a good credit history the easy way. Use a Savings Account or Share Certificate as collateral with funds released as you make payments.
ALL YOUR BURNING QUESTIONS ANSWERED
A personal loan is a fixed-term loan that provides you with a lump sum of money upfront, which you repay in equal monthly payments. Unlike credit cards, personal loans usually have lower interest rates and a clear payoff timeline. Apply for a RadiFi Personal Loan now.
You can use a personal loan for just about anything, including:
- Debt consolidation
- Medical expenses
- Home improvements
- Travel or life events
- Unexpected emergencies
Nope! RadiFi personal loans are unsecured, which means you don’t need to put up your car, home, or savings as collateral. Approval is based on your credit profile, income, ability to repay, and other credit criteria. Apply now.
RadiFi offers flexible personal loan amounts to fit your needs. Loan amounts typically range from $500 to $25,000, depending on your creditworthiness and income. Apply today to see how much you qualify for.
Yes! At RadiFi, you can apply online in minutes or visit one of our local branches. We make the process simple, with local decisions and a team that’s here to help every step of the way. Get started now.
Ready When You Are.
Apply today and get the funds you need—fast, simple, and stress-free.
Get Started
AWESOME RATES
|
Term |
Annual Percentage Rate* |
Estimated Payment per $1,000 Borrowed |
|---|---|---|
|
*APR = Annual Percentage Rate. APRs are effective as of 3/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000. |
||
|
Term 36 months |
Annual Percentage Rate* 10.50% |
Estimated Payment per $1,000 Borrowed $32.50 |
|
Term 48 months |
Annual Percentage Rate* 10.75% |
Estimated Payment per $1,000 Borrowed $25.72 |
|
Term 60 months |
Annual Percentage Rate* 11.00% |
Estimated Payment per $1,000 Borrowed $21.74 |
|
Term 72 months (minimum $15,000) |
Annual Percentage Rate* 11.25% |
Estimated Payment per $1,000 Borrowed $19.16 |
|
Loan Type |
Annual Percentage Rate* |
|---|---|
|
*APR = Annual Percentage Rate. APRs are effective as of 3/1/2026 and subject to change at any time without notice. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. ** Certificate secured loan rates are 3% above the dividend rate paid on the certificate. The maximum term on a certificate secured loan must be such that the final payment does not exceed the maturity date for the certificate. There is a maximum of 1 loan per certificate and 3 certificate loans per member. |
|
|
Loan Type Share Secured (3-60 Month Term) |
Annual Percentage Rate* Share Rate 2.00% |
|
Loan Type Certificate Secured |
Annual Percentage Rate* Certificate Rate 3.00% |
CRUNCH YOUR NUMBERS
Our free calculators let you hone in on the best financial strategy for any situation.
*The information provided by these calculators is for illustrative purposes only and accuracy is not guaranteed. The values shown are hypothetical and may not be applicable to your individual situation or guarantee extension of credit. Be sure to consult a financial professional prior to relying on the results.
Current Specials
Limited-time offers to help you save more and borrow smarter.
Visa Balance Transfer Promotion
Hurry! Offer ends March 31st – 2.99% APR* for 15 Months on balance transfers with a 1% fee
High-Yield Checking
Earn up to 4.00% APY* with our Make Waves High-Yield Checking Account.
Auto Loan Refinance Special
Hurry! Offer ends March 31st – Get a 0.25%* Rate Reduction when you refinance your auto loan from another lender.
$1,000 Cash Back* on a New Home Mortgage
Earn $1,000 cash back on a qualifying new home mortgage when you build your banking relationship with RadiFi.
New Visa Credit Card Offer
1.90% intro APR* for 12 months on purchases made in the first 90 days
APPLY ONLINE FOR A PERSONAL LOAN TODAY
Apply and sign for a personal loan online via an entirely digital process.
A Credit Union Making Waves
RadiFi Credit Union continues to earn recognition for strong growth, trusted service, and community impact. These honors reflect the commitment of our associates and the trust our members place in us every day.
