Personal Loans from La Cap — Flexible Financing When You Need It Most
Big plans ahead? A Personal Loan from La Capitol Federal Credit Union can help turn them into reality. Whether you’re consolidating debt, covering unexpected expenses, planning a home project, or preparing for a major purchase, you’ll enjoy competitive rates as low as 9.99% APR*, flexible repayment options, and—in celebration of our 65th anniversary—the chance to win $650** when you apply. Get the financial support you need — backed by a trusted Louisiana credit union.
- APR as low as 9.99%*
- Apply for a chance to win $650!**
- Get approved in as little as 1 day
- Flexible terms from 1 to 5 years
- Loan amounts as low as $1,001
- One easy monthly payment
Application takes minutes - have your driver's license ready!
| Personal Loans (Unsecured) | Effective Date: 10/1/2026 | |
|---|---|---|
| Loan Amount1 | APR as low as2 | Term (up to) |
| $1,001 - $2,500 | 9.99% | 24 Months |
| $2,501 - $5,999 | 9.99% | 36 Months |
| $6,000 - $9,999 | 9.99% | 48 Months |
| $10,000 - $14,999 | 10.49% | 48 Months |
| $15,000 & above | 10.99% | 60 Months |
1Maximum dollar amount and interest rate are determined by individual's creditworthiness and the loan term.
Disclosures
* 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 at 9.99% APR has an estimated monthly payment of $228.18. 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. Effective Date: 10/1/2026
**NO PURCHASE NECESSARY TO WIN. VOID WHERE PROHIBITED.
We make loans to qualified creditworthy members. See complete official contest rules for additional information.
How it Works: Apply for a new personal loan between January 1, 2026 and October 31, 2026 for a chance to win $650.00. One entry per person. One winner will be selected by random drawing each month during the contest period. La Cap will never sell or share your information with a third party.
NO PURCHASE NECESSARY: To enter the contest without applying, send a postcard with your name, address, and phone number to: “Personal Loan Giveaway” at Marketing Department, P.O. Box 3398, Baton Rouge, LA 70821-3398. One entry per person by postcard.
Eligibility: Must be 18 years of age or older at time of entry. Void where prohibited by law. Employees of La Capitol Federal Credit Union, its affiliates and subsidiaries, participating advertising and promotion agencies and prize suppliers (and members of their immediate family and/or those living in the same household of each) are not eligible. Limit one (1) entry per person.
Prizes and Odds: Prize winnings will be provided as a $650 credit to the winner’s share account. Prizes are non-transferable. Federal, state, and local taxes are the sole responsibility of the winner. Odds of winning depend on the number of entries received. Acceptance of a prize constitutes permission for La Capitol Federal Credit Union and its agencies to use the winner’s name and/or likeness for advertising and promotional purposes without additional compensation or approval, unless prohibited by law. La Capitol Federal Credit Union is not responsible for any typographical or other error in the printing of the offer, administration of the contest, or announcement of the prize. Ask for complete details.
Limited time offer. To qualify as a contest entry, the loan application must be received by October 31, 2026. Not eligible on existing La Capitol Federal Credit Union personal loans. Loan products are available to qualified, creditworthy members. The actual rate for which you qualify will be based on your credit history, loan amount, and the term of your loan. Offer subject to change. Other restrictions may apply. Contact a La Cap representative for details. If you do win, you will have 30 days from the date we reach out to you to redeem your prize.