Personal loan options and rates.

At MFCU, we offer different personal lending products for different needs.

View Rates

Apply for a Personal Loan

Unsecured Personal Loan – This loan requires no collateral, meaning a house or car. That’s why it is called unsecured. The rates are higher than a secured loan, but the process to get an unsecured loan is typically easier and the loan management remains in-house at MFCU.

Home Energy Unsecured loans – Thinking about adding solar to your home? Missoula Federal Credit Union has a loan product to help make it a reality.

Personal Line of Credit – Small line of credit that’s handy for covering the occasional overdraft or unexpected expenses.

MFCU Visa – Keeping your credit card local is a great way to keep tabs on your spending activity. The MFCU Visa has a competitively low interest rate. We don’t tease with promotional rates or require cardholders to pay an annual fee.  Local service is also a plus if you encounter a problem with your card. For more on the MFCU Visa, click here.

Payday Alternative Loan (PAL) – These small loans are available in amounts of $100-500 and serve as a smart alternative to predatory lending practices of payday lenders. No credit check required, however some membership and income minimums must be met.

Share Secured and Certificate Secured Loans – These loans are secured by the funds in the member’s share or certificate account at MFCU. A member may borrow up to 100% of the amount on deposit in their share or certificate account.

Credit Union Student Choice

Apply for Credit Union Student Choice Loan

MFCU aspires to fill the financial gap that student loans, grants and scholarships cannot. We proudly belong to Credit Union Student Choice (CUSC), which gives us the expanded ability to provide all application, approval, processing, certification, disbursement and repayment services of private student loans online and via a call center.

For more information about what type of personal loan is right for you at this stage of your life, please don’t hesitate to contact us.