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Personal Loan

Lending Done Right

When you get a loan from La Cap, low rates and flexible payment plans are par for the course. Our Personal Loans, also known as Signature Loans, are perfect for those times you need a little extra cash in your life. 

  • APR as low as 9.49%*
  • Flexible terms
  • One monthly payment
  • No collateral required

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Personal Loans (Unsecured) Effective Date: 01/14/2023
Loan Amount1APR as low as2Term (up to)
$1,001 - $2,5009.49%24 Months
$2,501 - $5,9999.49%36 Months
$6,000 - $9,9999.49%48 Months
$10,000 - $14,9999.99%48 Months
$15,000 & above10.49%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. 9.49% 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. 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.

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