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Personal Loans & Lines of Credit

Whatever your personal needs—debt consolidation, college tuition, a vacation, laser eye surgery, or anything in between, we can help with a Readi-cash Line of Credit, Signature Loan, or Personal Assistance Loan.

There’s no collateral required, and applying takes just minutes using our online application.

  • Readi-Cash Line of Credit triangle
    Readi-cash Line of Credit
    • Revolving credit limit of up to $30,000.
    • Monthly payment equal to 2% of outstanding balance.
    • Access through HVFCU ATMS and Internet Banking.
    • Free convenience checks.
    • Can be used as overdraft protection
  • Signature Loan Features triangle
    Signature Loan 
    • Terms up to 60 months.1
    • Loan amounts up to $30,000.
    • Monthly principal and interest payments.
    • Calculate Payments
  • Signature Loan Features triangle
    Personal Assistance Loan
    • Fixed 6-month term2
    • Borrow between $200 and $1,000
    • $20 application fee3
    • 30 day membership requirement
    • No credit check required
    • Instant loan decision
    • Can be used to build or repair credit
  • Rate Discount with AutoPay triangle
    Rate Discount with AutoPay
    Arrange to have your loan payment automatically deducted from your checking, savings, or tiered money market account and HVFCU will lower the interest rate on your loan by .25%4! In addition to saving money, you’ll never have to worry about being late with a payment, and it will help keep your credit history strong.

Get Started

     APPLY FOR A READI-CASH LINE OF CREDIT     

     APPLY FOR A SIGNATURE LOAN     

What to Expect When Applying For Readi-Cash & Signature Loans

APPLY FOR A PERSONAL ASSISTANCE LOAN WITHIN INTERNET OR MOBILE BANKING

Not an Internet / Mobile Banking user? Learn more.
Call us at 845.463.3011 to enroll.
 

Personal Loan Rates

Readi-cash LOC Variable Rate
9.99%
Signature Loan
Fixed Rate
(Up to 36 Months)
7.74%

View all APRs and disclosures

Useful Resources

The BALANCE Financial Fitness Program provides access to free financial counseling and education, including student loan coaching, home ownership education, and rental coaching.

 

1 As an example, a 5-year, 12.24% fixed rate signature loan for $15,000 would result in 60 monthly payments of $343.14.

2 As an example, a 6 month, 25% fixed rate Personal Assistance Loan for $1,000 would result in 6 monthly payments of $179.03. Your actual payment may be higher.
3 An application fee of $20 is charged for every Personal Assistance Loan application, whether or not the loan is approved.
4 The stated rate is discounted by .25% and includes a requirement that loan payments are automatically transferred from your savings, checking, or tiered money market account for the life of the loan. The monthly payment is not decreased as a result of this discounted rate. Excludes Personal Assistance Loans.

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