Personal > Credit Cards & Loans > Personal Loans

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Personal Loans

Knock unexpected expenses right out of the ring.

The Perfect Personal Financial Toolbox

Explore our borrowing options for flexible financial solutions tailored to your needs. Whether you’re consolidating debt, covering unanticipated costs, or pursuing your dreams, RadiFi Credit Union has the right loan for you.

Apply now and take control of your finances with RadiFi.

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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.

Explore Personal Loans
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Line of Credit

Be ready for anything with an open-ended Personal Line of Credit that allows additional advances on your credit line.

Learn about Lines of Credit
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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.

Visit Overdraft Lines of Credit
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Quick Cash Loan

Get a short term loan processed quickly and easily while also dodging excessive fees and charges with our Quick Cash Loan.

Check out Quick Cash Loans
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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.

Discover Share Secured Loans

AWESOME RATES

Personal Loans

Term

Annual Percentage Rate*

Estimated Payment per $1,000 Borrowed

*APR = Annual Percentage Rate. APRs are effective as of 2/2/2024 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.

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

Share and Certificate Secured Personal Loans

Loan Type

Annual Percentage Rate*

*APR = Annual Percentage Rate. APRs are effective as of 2/2/2024 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.

OUR MEMBERS EMPOWER US

We’re dedicated to empowering you, which fuels everything we do.

My 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.

— Arlene J., Member

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.

APPLY ONLINE FOR A PERSONAL LOAN TODAY

Apply and sign for a personal loan online via an entirely digital process.

 

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904-475-8000
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