U Choose Loan
Rates as low as
9.99%
APR*
Truly, the choice is yours when it comes to using this personal loan.
Empower your financial dreams with our U Choose loan—a flexible, unsecured personal loan that gives you the freedom to use funds for whatever you need, whether it's consolidating debt, planning a vacation, or upgrading your home.
Account Details
Qualifications
- Must have a Shares Savings
- Under 18 years old requires a parent or guardian as a co-signer
- Completed and signed loan application
- Subject to credit approval
Features
Fees
- No collateral needed
- Borrow up to $30,000
- The interest rate is typically higher than a secured loan
- Competitive rates are subject to risk-based pricing
- Terms up to 48 months
- Automatic payment available
- No pre-payment penalty
- Borrowed funds can be used for any purpose
- A late fee of either $10 or 5% of the past due amount—whichever is lower—will be charged 11 days after a missed payment
View Current Rates
Effective Date:U Choose Loans
| Term | Rates as low as* | Payments per $1,000 |
|---|---|---|
| 36 Months | 10.99% APR | $32.75 |
| 48 Months | 11.99% APR | $26.35 |
| 60 Months | 12.99% APR | $22.77 |
*APR is Annual Percentage Rate. APR subject to change. Rates, terms, and conditions vary based on your account history and credit qualifications. Advertised rate applies to personal loan product with a set term. It does not apply to open-ended lines of credit or credit plans. All loans are subject to approval. Minimum loan amounts may apply to longer terms.
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Hit the Road, Water or a Trail – with a Vehicle Loan!
With competitive rates, affordable monthly payments, and expert guidance, we’re committed to finding the perfect loan to fit your lifestyle. Let Unison Credit Union help you drive off in the vehicle of your dreams—because your journey starts here!
*APR subject to change. Rates, terms, and conditions vary based on your account history and credit qualifications. Advertised rate applies to personal loan product with a set term. It does not apply to open-ended lines of credit or credit plans. All loans are subject to approval. Minimum loan amounts may apply to longer terms. Membership eligibility required.