Real money.
Fast funding.
Up to $20,000 solo. Up to $40,000 together. Fixed rates. Use it for anything. Others make this complicated. We don't.
Membership required. All loans subject to credit approval. Rates and terms subject to change. Verify current rates with Vida FCU before applying.
Individual Max
Up to $20,000 for an individual applicant.
Joint Max
Up to $40,000 for joint applicants.
Rate Type
Your payment never changes for the life of the loan.
Purpose
No restrictions on what you use it for.
Plain terms.
No surprises.
Fixed rate means one payment, same amount, every month until it's done. No rate changes. No fine print traps. You know what you owe and when it's over.
- One-time closed-end loan. Get what you need, pay it down
- Fixed interest rate locked in at origination
- Apply online in minutes. No branch visit required
- Credit builder loans available for first-time or rebuilding borrowers
- Secured options available for lower rates when collateral is involved
We have credit builder and credit novice loans for people starting fresh or rebuilding. Your situation isn't a dealbreaker. Come talk to us.
Credit not where you want it?
Others reject people based on a number. We look at the whole picture. Our credit builder and credit novice programs are built for people who are starting fresh or working their way back up. On-time payments on a Vida personal loan are reported to the credit bureaus and may help your score along the way.
Apply Anywayothers turn away and overcharge."
Loan rates and terms built to fit your situation, not a one-size-fits-all algorithm. Come in, tell us what's going on, and let's figure out what works.
Use what you have
to get what you need.
Have savings or a certificate you don't want to touch? Use it as collateral for a lower-rate loan. Your money stays put. Keeps earning dividends. The loan does its job. When the loan is paid off, the collateral is yours to use freely again.
Secured loans typically carry significantly lower rates than unsecured personal loans, because the credit union is taking less risk. On-time payments are reported to the credit bureaus, so they can also help you build or rebuild credit while keeping your savings intact.
Apply for a Secured LoanMultiple options.
Tell us what you're working toward — we'll ask a few follow-up questions and shape the loan around it.
Home Improvements
Fix the roof, renovate the kitchen, build the deck. Your home, your call.
Medical Expenses
Health doesn't wait for payday. Cover what you need without the credit card spiral.
Education
Tuition, books, certifications, trade school. Invest in yourself without the drama.
Debt Consolidation
Roll high-rate debt into one fixed payment. Breathe easier. Get it done.
Big Purchases
Appliances, furniture, electronics. Buy what you need at a rate that makes sense.
Family Dream Vacation
The trip you’ve been promising everyone. Fund it at a fixed rate instead of a credit card.
Weddings
The day, the venue, the honeymoon. One fixed payment instead of five maxed cards.
First Cars for New Drivers
An affordable car purchase for the new driver in your family, financed simply.
The stuff people ask first.
How much can I actually borrow?
Up to $20,000 for an individual applicant. Up to $40,000 for joint applicants. Your approved amount depends on your credit, income, and overall situation.
What's a credit builder loan?
A loan designed to help people with limited or rebuilding credit. We work with you on terms that fit your situation, and on-time payments help build your score.
Will my credit get checked?
Yes. Personal loans require a credit check. But unlike many other institutions, we look at your full situation. A less-than-perfect score does not automatically disqualify you.
What's the difference between share-secured and certificate-secured?
Share-secured uses your savings account as collateral. Certificate-secured uses a Vida CD. Both lock the collateral until the loan is paid off, but your collateral keeps earning dividends while you have access to cash at a lower rate.
How fast can I get the money?
Online applications are usually reviewed within one business day. Funding follows shortly after approval and signing.
Do I have to be a member first?
Membership is required to receive the loan. You can apply for both at the same time. Joining is free.
Ready to
borrow?
Apply online in minutes. No pressure, no drama. Just a loan from people who want you to win.