Personal Loans
Knock unexpected expenses right out of the ring.
The Perfect Personal Financial Toolbox
A variety of personal loans are ready to empower you to move past unanticipated costs and other financial challenges.
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.
Quick Cash Loan
Get a short term loan processed quickly and easily while also dodging excessive fees and charges with our Quick Cash Loan.
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.
AWESOME RATES
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Term |
Annual Percentage Rate* |
Estimated Payment per $1,000 Borrowed |
|---|---|---|
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*The Annual Percentage Rate you receive is based on certain creditworthiness criteria. Visit your local RadiFi Service Center or contact us today at (904) 475-8000 or, outside Jacksonville at (800) 443-2664 for more information. Consumer Loan Rates reflected are effective as of July 1, 2023. Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000. |
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Term 36 months |
Annual Percentage Rate* 10.00% |
Estimated Payment per $1,000 Borrowed $32.27 |
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Term 48 months |
Annual Percentage Rate* 10.50% |
Estimated Payment per $1,000 Borrowed $25.60 |
|
Term 60 months |
Annual Percentage Rate* 10.75% |
Estimated Payment per $1,000 Borrowed $21.62 |
|
Term 72 months (minimum $15,000) |
Annual Percentage Rate* 11.00% |
Estimated Payment per $1,000 Borrowed $19.03 |
|
Loan Type |
Annual Percentage Rate* |
|---|---|
|
* The Annual Percentage Rate you receive is based on certain creditworthiness criteria. Visit your local RadiFi Service Center or contact us today at (904) 475-8000 or, outside Jacksonville at (800) 443-2664 for more information. Consumer Loan Rates reflected are effective as of May 15, 2023. Rates are subject to change without notice. If you have any questions or require additional information, please call us at (904) 475-8000. ** 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. Collection Costs: You agree to pay all costs of collecting the amount you owe under this agreement, including court costs and reasonable attorney fees. Filing Fees: If you give a security interest in certain types of property, we may charge you a filing fee to protect the property. If so, the amount of the fee will be disclosed to you at the time you obtain an advance. Late Charges: If a payment is received more than 10 days after its due date, a late fee, equal to the greater of $25.00 or 20% of the interest due, will be assessed. |
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Loan Type Share Secured (3-60 Month Term) |
Annual Percentage Rate* Share Rate +2.00% |
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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.
OUR MEMBERS EMPOWER US
We’re dedicated to empowering you, which fuels everything we do.
— Arlene J., MemberMy personal loan with JAX Federal Credit Union (now RadiFi) was a great experience. I applied for a loan in one day and got approved the next day. It was the fastest and easiest loan for approval.
ALL YOUR BURNING QUESTIONS ANSWERED
You can set up same-day, future-dated and automatic recurring funds transfers. The payment must be completed by your due date but not earlier than 30 days in advance.
Example: Your due date is May 31st; you cannot make your payment before May 1st. If your due date is May 15th, you cannot make your payment before April 16th.
Check out our Digital Banking guides on how to set these up your preferred way:
Payments can be set up to be paid automatically from your RadiFi savings or checking account with flexibility in scheduling: weekly, bi-weekly, or monthly.
If you set up the system to automatically take your loan payment from your RadiFi account, the payment is processed from your account the EVENING of the requested date.
Example: You have your loan set up to pull the automatic payment on the 15th of every month. The payment will run the evening of the 15th. If the 15th happens to fall on a Sunday or a holiday, then the system will run the loan payment the next business evening.
Check out our Digital Banking guides on how to set these up your preferred way:
Not finding what you’re looking for? See all our FAQs.
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APPLY ONLINE FOR A PERSONAL LOAN TODAY
Apply and sign for a personal loan online via an entirely digital process.