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Personal Loans

Helping you do more

Apply now

It’s simple, really. We offer different lending products to answer different needs — helping you make ends meet, check off items on your bucket list, or finance that new solar energy project.

Personal Loan Options

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Unsecured Personal Loan

Get the loan you want — even with no collateral to secure it. Unsecured loans have a higher interest rate, but can be easier to get and have no prepayment penalties.

Apply for an unsecured loan

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Secured Personal Loan

Do you have funds in your Missoula Federal Credit Union savings share or certificate? You can borrow up to 100% of the amount in your account.

Apply for a secured loan

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Payday Alternative Loan (PAL)

Don’t fall into the predatory lending trap. If you’re a credit union member,* you have options. A PAL can provide $100-500 to tide you through, even if your credit isn’t great.

Apply for a PAL

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Overdraft Protection Line of Credit

Protect yourself from the occasional overdraft or unplanned expense with this revolving line of credit, which provides access to money when you need it, and an interest-free zero balance when you don’t.

Apply for a line of credit

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Solar Energy Loan

We have two options for you: the Solar Home Equity Loan and the Unsecured Solar Loan. Lower your utility bill, offset your carbon emissions, and enjoy 90 days before your first payment.

Learn more about solar loans

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SwiftNote In-store Financing

SwiftNote connects you to financing right in the store or office, so it’s easier to purchase what you want when you want it. Use SwiftNote at any participating merchant, including medical providers, retailers, service providers and more.

Apply for SwiftNote Financing

Visa Credit Card

With no annual fee, no promotional teases, and rates as low as 7.90% APR,** our Visa credit card is an honest bargain. Looking to build credit? Apply for our share-secured Visa, and start bringing that credit score up.

Apply for a credit card
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Loan Rates

Other Loans1
Other Loans1

Loan Type

APR as low as2

1 All loans subject to approval. Rates, terms & conditions are subject to change and may vary based on creditworthiness, qualifications & collateral conditions.
2 APR = Annual Percentage Rate.
3 For qualifying borrowers. $25,000 loan maximum. No application fee, no origination fee, no pre-payment penalty. Contact us for more information.
4 Payment example: home solar unsecured loan of $25,000 for 120 months at 3.90% APR2 will have a monthly payment of $251.98.
5 For qualifying borrowers. $10,000 loan maximum. No application fee, no origination fee, no pre-payment penalty. Contact us for more information.
6 Payment example: home energy efficiency unsecured loan of $10,000 for 72 months at 7.00% APR2 will have a monthly payment of $170.54.

The rates and terms shown are effective as of June 3, 2019.

Loan Type


APR as low as2


Loan Type

Personal Line of Credit

APR as low as2


Loan Type

Payday Alternative Loan

APR as low as2


Loan Type

Certificate Secured

APR as low as2

3.00% above certificate rate

Loan Type

Share Secured

APR as low as2

3.00% above share rate

Loan Type

 Home Solar Unsecured Loan3

APR as low as2

3.90% (120 months4)

Loan Type

Home Energy Efficiency Unsecured Loan5

APR as low as2

7.00% (72 months6)

See all rates

Apply for a Loan

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Contact Us
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Get Started
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Ask a Question

My Loan — Ways to Pay

Yes. If you’re enrolled in Direct Deposit, you can authorize our credit union to deduct your loan payment right from your paycheck.

Contact us to get started

Yes, we call that a Periodic Payment. You can authorize our credit union to transfer your loan payment directly from your savings or checking account on a weekly, semi-monthly, or monthly basis — whatever works best for you.

Contact us to get started

Yes, you can make an online payment whenever it’s convenient for you — and if you download our mobile app, you can also make payments from your smartphone or tablet.

Sign up for digital banking

Yes, our Voice Response Teller is available 24 hours a day, so you can transfer your loan payment from any touch-tone phone. Just call 406-523-3311 or 1-800-254-1803.

Yes, we have night drop boxes at our branches for just this purpose. Your transaction will be processed on the next business day.

Find a location

Yes, send your payments to:

Missoula Federal Credit Union
Attention: Tellers
3600 Brooks Street
Missoula, MT 59801