Personal Loan
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 9.99%*
- Flexible terms
- One monthly payment
- No collateral required
Line of Credit Loan
With a Line of Credit, you have a preset amount of credit available to use for a set length of time. You can use your credit whenever you need to during that term, and you only pay interest when you've borrowed funds from the Line of Credit.
Secured Loan
Instead of taking money out of your savings or certificate account (which impacts your dividends), consider a secured loan.
- Lower interest rate available
- Keep earning dividends
- Flexible payment options
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