Personal Loans
Explore your options for consolidating high-interest debt, building credit, funding special purchases, or covering major expenses. Resource One offers flexible financing solutions tailored to meet your unique needs.
Meet a Loan Officer by Video Chat or Call 800-375-3674
Compare and Select Your Loan
Credit Builder
Good things come to those who wait—building your credit is no exception. Strengthening your credit history doesn’t have to be difficult. By making timely payments on this small-dollar loan, you can start building your credit and set yourself up for bigger opportunities ahead.
Available Benefits
Share Secure
Safeguard your savings and boost your credit with our Share Secure loan. When you’re ready for a big purchase, don’t tap into your hard-earned savings. Instead, use the funds in your account as collateral for a low-rate loan—giving you the flexibility to spend as needed while keeping your savings intact.
Available Benefits
Home Improvement
Why choose a Home Improvement Personal Loan with Resource One over traditional home improvement loans from mortgage lenders? How about a competitive fixed rate, typically lower than mortgage rates, and same-day funding? Plus, unlike traditional loans, this option doesn’t require your home as collateral.
Available Benefits
Citizenship
Understanding the complexities of the immigration process, we’re here to support you every step of the way. To help finance your journey to U.S. citizenship, we offer Citizenship Loans to cover related costs. Additionally, for those who prefer to avoid paying interest, we provide a fee-based alternative for each loan option.
Available Benefits
We Accept: ITIN
As part of our continued commitment to offering inclusive financial services within our communities, R1CU is proud to highlight the acceptance of the Individual Taxpayer Identification Number (ITIN) as a valid form of identification. This enhancement enables us to better serve individuals who may not have a Social Security Number (SSN).
Through our ITIN lending option, eligible individuals can now access a broad range of exclusive member-only products and services, including:
Secured Loans, Commercial Loans, Auto Loans, Mortgage Loans, Unsecured Loans, Personal Loans, Citizenship Loans, Credit Cards, Credit & Savings Builder Loans, Membership, Spending Accounts, Savings Accounts, Member Benefits, And More!
What makes this different from other loans? Nothing at all! ITIN borrowers will enjoy the same terms and conditions as those with a Social Security Number. If you’re ready to get started or have any questions, our team is here to assist you. Contact us at 800-375-3674, visit us in person, begin an online application (for membership or a loan), or connect through our Video Banking service.
Current Rates
| apr |
|---|
| as low as 12.99% APR |
|
APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of December 22, 2024. Rates are subject to change without notice. |
Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.
| loan | term | apr |
|---|---|---|
| Getting Started | 12 month | 11.49% APR or 0.00 APR that includes an application fee |
| Road to Citizenship | 24 month | 11.99% APR or 0.00 APR that includes an application fee |
|
APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of December 22, 2024. Rates are subject to change without notice. |
||
Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.
| apr |
|---|
| Rates as low as 9.49% APR |
|
APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. Restrictions may apply; see credit union for details. Rates as of December 22, 2024. Rates are subject to change without notice. |
Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.
ITIN Lending
Resource One Credit Union is proud to provide financial services to members with an ITIN (Individual Taxpayer Identification Number). We approach every member the same: Creating lasting value with the right mix of products and services to assist in securing the financial future of all our members. All credit union members, whether they open their accounts with a social security number or an ITIN have access to the same low rates. If you are an ITIN holder, Resource One is here for all your financial needs, including:
Ready to Get Started?
Virtual Branch
Ready to apply now, meet with our virtual branch staff through video chat.
