Personal / Auto Loans

Personal Loans

Your personal loan can be used for a variety of purposes: weddings, vacations, starting up a small business, funerals, redecorating your home, you name it!

The APR ranges from 10 to 17.5%, and is based on credit and loan repayment term. Discounts are available for those who have been members continuously for more than 5 years and those who agree to make payments through payroll deduction or direct deposit.

Requirements

  • Be a credit union member
  • No bankruptcy in the last 3 years
  • Credit committee considers your credit history, credit score, and debt-to-income ratio
  • No unpaid judgments or collections

To Apply: Fill out and submit the loan application by mail, fax, or in person. The credit committee will review your submitted application and contact you within five business days. A non-refundable application fee of $15 is required.

Download Application
Apply Online

Auto Loans

North Side’s Access Auto Lending is expanding — now making auto loans available to as many credit union members as possible!

Why Finance with a North Side?

  • No credit history? — We’ll work with you to establish credit.
  • Some credit problems in the past? No problem. With Access Auto Lending we can approve more loans, even if it is your very first auto loan!
  • Refinancing is Available — The payout amount on your car must be less than the Kelly Blue Book value in order to refinance with North Side Credit Union. Please call us to inquire about refinancing.

Interest Rates
Rates vary, depending on amount financed, year of vehicle, and loan repayment term.
New Auto Rates: 4.25% – 16.75%
Used Auto Rates: 4.50% – 18.00%

Requirements

  • Be a credit union member
  • No bankruptcy in the last 3 years
  • Credit committee considers your credit history, credit score, and debt-to-income ratio
  • No unpaid judgments or collections

Terms

  • Interest rates vary, depending on amount financed, year of vehicle, and loan repayment term.
  • Discounts Available: (Maximum Discount: 1.0%. Discounts cannot be combined.)
    Direct deposit or payroll deduction: 0.75%;
    Member of 5 years or more: 0.75%;
    Three credit union loans paid in full: 0.50%;
    Hybrid vehicle or car with 30 MPG (HWY) or more: 0.25%
    Lowest possible rate is 4.25%
  • 100% financing available.
  • Application fee: $10
  • Late fee: $10

To Apply: Fill out and submit the loan application by mail, fax, in person, or using the online loan application. The credit committee will review your submitted application and contact you within five business days.

Download Application
Apply Online