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An unsecured personal loan that can be used for any number of things, e.g. going on vacation, consolidating high interest debt, paying for home, or auto repairs, at a low interest rate.

  • Loan limits are based on credit qualifications
  • One to 48 months term
  • Generally, no collateral required


Conveniently apply online! Please be prepared to provide proof of income (i.e. your last two pay stubs, most recent W-2 or a statement from your financial institution showing two or more regular direct deposits). Proof of income can be uploaded via online banking. NIU employees (only) are welcome to fill out the NIU's income verification form.

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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