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A great way to establish credit history (e.g. child) or reestablish credit history (e.g. yourself or child) by making on-time payments. Another great way to utilize this loan is to consolidate high interest debt, paying the lowest interest rate available.

  • Our lowest interest rate loan
  • Funds on deposit (at the credit union) are held as collateral
  • An excellent way to establish or reestablish good credit history


Conveniently apply online! Since we would use your own personal funds to secure this type of loan, we do not need any proof of income. Reference on the additional comments section of the online loan application the membership number and account type you wish to pledge as collateral. If you are transferring funds to NIFCU for this loan, they need to be guaranteed funds (i.e. Cash, Cashier's Check, Money Order or via a Wire Transfer).

Loan processing takes approximately 24-48 hours to respond to a request. We make every effort to determine how we can help your financial well-being. In the instance we are not able to offer the loan requested, we will sometimes counteroffer a product or service we feel would help you.

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