✦ This feature uses Artificial Intelligence to generate its response. AI can make mistakes.
Unsecured Personal Loans
Put plans in motion with a simple, flexible personal loan.
Whether you're covering an unexpected expense, consolidating debt, or making a big purchase, an unsecured personal loan from HRCU gives you access to the money you need—no savings or collateral required.
* Credit check and proof of income required for Unsecured Personal Loans.
Unsecured Personal Loan
Effective Date: 8/11/2026
| Type | As Low As | Monthly Payment/$1,000 |
|---|---|---|
| Unsecured Personal Loan | 10.99% APR* | $21.74 |
*APR = Annual Percentage Rate. Final loan rate, term, and approval determined by credit worthiness and membership qualification. Standard underwriting guidelines apply. Rates shown include a 0.50% discount. Two different 0.25% rate discounts are available if qualifying factors are met. Applicants may be eligible to qualify for one, or both, of the available 0.25% rate discounts. To qualify for the first 0.25% rate discount, you must be an existing HRCU member with a checking account and active debit card, established prior to loan closing. To qualify for the second 0.25% rate discount, you must have an active loan or credit card with HRCU or have one that was paid in full within the prior 12 months. The 0.50% discount applies only to closed-end consumer loans. Rate discounts cannot be combined with promotional rates. Internal HRCU loan refinances are not eligible for rate discounts. Rate discount promotion is subject to change without notice. Contact our member support center at 603-332-6840 for more information.
Maximum personal loan amount is $25,000.
The results provided by this loan estimate calculator are for informational and illustrative purposes only and are intended solely to assist you in planning and evaluating potential loan scenarios. All estimates are based on information you provide and assumptions that may not reflect your actual loan terms. Use of this calculator does not guarantee a loan approval, interest rates, payment amounts, or eligibility. Actual loan terms, including annual percentage rate (APR), monthly payment, fees, and other costs are subject to credit approval, and may vary based on factors such as your credit profile, income, and collateral. This tool does not constitute a loan offer or a commitment to lend.
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