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My Choice Loan

When life brings opportunities, UMCU’s My Choice Loan gives you the flexibility and financial support you need.

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Take Control of Life’s Expenses with UMCU's My Choice Personal Loan

Whether you're planning ahead or dealing with unexpected costs, UMCU’s My Choice Personal Loan offers a reliable solution. Use it to consolidate debt, fund a dream vacation or your wedding, or cover home repairs and renovations. The possibilities are endless, giving you the affordable and flexible financing you need—no matter what life brings.

  • Borrow up to $50,000 based on creditworthiness*
  • Flexible Terms - Repayment up to 60-months
  • Fast and easy application  -  takes minutes to complete
  • Flexibility - use the funds however you see fit
  • Predictable monthly payments - Fixed-rate loan for easy budgeting
  • No collateral required

Loan Rates

APR Term
APR 7.50% - 20.75% Term fixed

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  • Competitive interest rates
  • No collateral or lien required
  • Borrow up to $50,000 based on credit worthiness*
  • Use funds for anything related to improving your home: repairs, renovations, or furniture and other items for the home
  • Fixed-rates for easy budgeting and predictable monthly payments
  • A fast and easy application process

Technology Loan

  • Borrow up to $3,500
  • Get 0.00% APR for 90 days*. 4.99% APR after 90 days
  • Maximum 36-month term
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  • A fast, easy application process

Common Questions

Virtually anything! Take the family on a trip to Disney World, repair that leak in your garage roof, consolidate debt from multiple credit cards - the possibilities are endless!

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Disclaimer

*Actual APR determined by credit history, approved loan amount and loan term.

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