Personal Loans
Guiding you towards your desired destination.
Whether you're aiming to streamline your debt, enhance your credit, or pursue a particular financial goal, our personal loans are designed to bring your aspirations to fruition while addressing your pragmatic needs.
Signature Loans
Our Signature Loans are at your service, supporting your aspirations for a fulfilling lifestyle. With competitive rates that often stand as the most favorable in the vicinity, coupled with our commitment to no pre-payment penalties, we are here to help you make your dreams a reality.
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Share or CD Secured Loans
This presents a favorable choice if you aim to enhance your credit score or have a crucial expense to cover without touching your savings. Through a Share Secured Loan, you leverage your funds at HealthCare Associates to secure a loan at a low interest rate, all the while continuing to accrue interest on your deposited financial resources. It's a mutually beneficial arrangement!
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Credit Builder Loans
When it comes to establishing or repairing your credit, there are no effortless solutions or quick remedies. However, we offer a loan designed to aid members in their credit-building journey while simultaneously fostering savings.
Through the Credit Builder Loan, you initiate a 12 or 24-month certificate that acts as collateral for the loan. By consistently making on-time monthly payments, positive repayment data is shared with credit bureaus, potentially enhancing your credit scores. Once the loan is fully repaid, the funds within the Certificate Account will be transferred to your primary Savings Account.
While the successful repayment of a Credit Builder Loan won't provide an immediate remedy for your credit situation, it serves as a fundamental step in the process of establishing or reconstructing your creditworthiness.
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Compare loans with different monthly payments, loan amounts, interest rates and terms.
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Which loan provides me with the best value?
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Personal Loans:
*APR = Annual Percentage Rate. 9.90% APR is only available for Signature Loans with terms from 12-24 months. Rates vary based on credit score and not all borrowers will qualify for the lowest rate. Lowest APR 9.90%. Maximum APR 24.00%. Minimum term 12 months- Maximum term 60 months. Payment example: A Signature Loan with an interest rate of 9.90% = 12 monthly payments of $87.88 per $1,000 borrowed. Creditworthiness and terms determine your rate on a Signature Loan. Rates and offers are subject to change and cannot be combined with any other offers. Flexible payment options are available for qualifying members. Usual credit criteria apply. Contact HACU for complete details.
Credit Builder Loans:
*APR = Annual Percentage Rate. 5.00% APR is only available for terms from 12-24 months. Minimum term 12 months- Maximum term 24 months. Payment example: A Credit Builder Loan with an interest rate of 5.00% = 12 monthly payments of $85.61 per $1,000 borrowed. Rates and offers are subject to change and cannot be combined with any other offers. Usual credit criteria apply. Contact HACU for complete details.
