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Personal Loan

Lending Done Right

Apply today & enter to win a generator!*


Planning ahead and being prepared can be a real game changer. Position yourself to make a quick recovery with a La Cap personal loan.

There may only be a few months left in the 2023 hurricane season, but a power outage can hit anytime. From now until October 31, 2023, opening a personal loan with La Cap will earn you a chance to win a generator!† 

So whether it's a storm or a troublemaking tree branch, you'll be better prepared to weather whatever comes your way. And those personal loan funds can help you with the rest of your plans.

  • APR as low as 9.99%*
  • Flexible terms
  • One monthly payment
  • No collateral required

Apply Now Not a Member Yet? Apply Now 

† Click here to read the complete Sweepstakes Rules and Regulations.

Personal Loans (Unsecured) Effective Date: 08/18/2023
Loan Amount1APR as low as2Term (up to)
$1,001 - $2,5009.99%24 Months
$2,501 - $5,9999.99%36 Months
$6,000 - $9,9999.99%48 Months
$10,000 - $14,99910.49%48 Months
$15,000 & above10.99%60 Months

1Maximum dollar amount and interest rate are determined by individual's creditworthiness and the loan term.

2With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services: Credit Life, Credit Disability, Visa (all types), IRA and Certificate of Deposit. La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.


*Membership required. To receive loan proceeds Regular Share Account with a $5.00 par balance is required. APR = Annual Percentage Rate. 9.99% APR is the lowest rate available for the advertised product. Minimum loan amount is $1001.00. Loan approval, rates, and terms are based on certain credit criteria and worthiness not everyone will qualify for the lowest rate available. The maximum term of payment available is 60 months. The maximum rate for a La Cap personal loan is 18% APR. Payment Example: A loan amount of $9,000 for 48 months has an estimated monthly payment of $221.79. Adding payment protection may change the rate, payment, and term. Any deferment of payment(s) during the life of the loan may result in an increased APR for the statement cycle(s) of the deferred payments. Offer valid for unsecured loans only and cannot be combined with any other offer. Other restrictions may apply. Contact a La Cap representative for details.

† Click here to read the complete Sweepstakes Rules and Regulations.

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