Personal Loans

Lean on RadiFi to achieve your financial goals.

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Unlock Financial Flexibility

Whether you’re consolidating debt, planning a dream vacation, or covering unexpected expenses, our personal loans offer competitive rates and flexible terms to suit your needs. With easy application processes and quick approvals, RadiFi is your trusted partner for achieving your financial goals.

Pay Any Debt

Our Signature Loans are a sensible choice for debt consolidation, medical expenses, appliance purchases, and much more.

Generous Loan Amounts

Based on credit score and income, you may borrow from $500 to $30,000 to accomplish any financial goal in front of you.

Easy To Apply

Minimal paperwork coupled with our commitment to outstanding service generates a quick decision on your application.

PERSONAL LOAN RATES

Personal Loans
Term	Annual Percentage Rate*	Estimated Payment per $1,000 Borrowed
^*APR = Annual Percentage Rate. APRs are effective as of 04/01/2025 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

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Home Improvement Personal Loans ($10,000 – $25,000)
Term	Annual Percentage Rate*	Estimated Payment per $1,000 Borrowed
APR = Annual Percentage Rate. The Annual Percentage Rate you receive is based on certain creditworthiness criteria. APY is effective as of 04/01/2025 and subject to change at any time without notice. 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.
Term 60 months	Annual Percentage Rate* 9.25%	Estimated Payment per $1,000 Borrowed $20.88
Term 72 months	Annual Percentage Rate* 9.50%	Estimated Payment per $1,000 Borrowed $18.27
Term 84 months	Annual Percentage Rate* 9.75%	Estimated Payment per $1,000 Borrowed $16.47

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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.

I applied for a signature loan on a Sunday evening. I received a phone call from the credit union around 10am the next morning. I received the documents to sign, and my account was funded about 2 hours later. The service was fast and professional, and my loan rate was excellent. I am so impressed and will tell all my friends about JAXFCU (now RadiFi).”

— Pennie M., 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.

THERE’S EVEN MORE TO CHECK OUT…

USED AUTO LOANS

Rev up for savings.

Hit the road with competitive and convenient financing for your next used auto purchase.

Discover Used Auto Loans

CREDIT CARDS

Our line of credit cards empower you with fair and transparent terms that generate rewards for the spending that you do every day.

Explore Our Credit Cards

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APPLY ONLINE FOR A PERSONAL LOAN TODAY

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

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