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An unsecured revolving loan that gives you the flexibility to access the funds at a moment’s notice (e.g. going on vacation, paying for home, or auto repairs). Once you establish this line of credit, there is no need to apply for a loan again. Transfer the funds online (or the app) and use Bill Pay to pay a bill, stop into the office, and get cash or a check.

  • $7,000 maximum credit limit
  • $50 monthly payment due


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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