Personal Loans

   

Lending Done Right

When you get a loan from La Cap, low rates and flexible payment plans are par for the course. We offer two types to fit your needs. Our Personal Loans are perfect for those times you need a little extra cash in your life. A Secured Loan gives you a flexible and economical way to borrow money, without impacting your dividend earnings.

Personal Loans

Take a vacation, do some remodeling or consolidate your debt — whatever you want or need. The process is quick and easy, and our rates are tough to beat. Apply now to get that little extra bit of cash you need.

  • APR as low as 8.99%*
  • Flexible terms
  • One monthly payment
  • No collateral required

Interest rates vary, depending on your account balance and your overall credit performance. Maximum dollar amount borrowed is determined by individual’s creditworthiness.

Current Member:
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Couple

  • Signature Loan Rates

    Signature Loans (Personal / Unsecured)2

    1-1-2020

    Loan Amount1 APR As Low As Term (up to)
    $1,001 - $2,500 8.99% 24 Months
    $2,501 - $5,999 8.99% 36 Months
    $6,000 - $9,999 8.99% 48 Months
    $10,000 - $14,999 9.49% 48 Months
    $15,000 & above 9.99% 60 Months

    1 Maximum 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.

    Line of Credit Loan1

    01-01-2014

    APR As Low As
    10.25%

    1 Credit limit determined by individual's creditworthiness.

Secured Loans

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

You pledge an amount from your account equal to the amount you want to borrow. Pledged dollars remain in your account and continue to earn dividends while securing your loan. You can even tailor your payment amount to fit into your budget.

Current Member:
Apply Now
  Not a member yet?
Apply Here

  • Secured Loan Rates

    Share Secured or Certificate Secured Loan
    Savings Account Loan

    01-01-2014

    Term APR2
    Choice of repayment terms, not to exceed 10 years 3.25%1

    1 The Annual Percentage Rate will be 3% above the offered rate on the deposit type account being pledged to secure the loan. Should the balance of more than one deposit type account be used to secure the loan, the APR will be the higher dividend rate, plus 3%.

    2 Rate subject to change if the rate on the deposit type account being pledged changes.

     
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*Membership required. To receive loan proceeds Regular Share Account with a $5.00 par balance is required. APR = Annual Percentage Rate. 8.99% 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. Payment Example: A loan amount of $9,000 for 48 months has an estimated monthly payment of $223.92. 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.