Personal Loans

An affordable financial solution tailored for your needs.

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A financial advisor is meeting with a female client in an office to provide financial services and personal loan advice.

Navigate life's journey with confidence and ease.

Whether you're tackling high-interest debt, managing unexpected expenses, or planning a vacation, our loans are designed to support your financial goals.

Competitive Rates

Rebuild Your Credit

Fast and Convenient Loan Process

Personalized Loan Amounts

APR as low as

8.99% Signature Unsecured Loan1

APR as low as

18% Fresh Start Signature Loan2

APR as low as

5% Premium Personal Line of Credit3

APR = Annual Percentage Rate

See All Rates
1Loan approval, rate, and term are based on individual credit history and qualifications. Payments and interest rate remain fixed for the term of the loan. A non-refundable $25 application fee applies.
2Interest rates and payment amount is fixed for the life of the loan. Rates and terms are based on creditworthiness and may change without notice. A non-refundable $35 application fee applies.
3Rates are variable and based on the Prime Rate plus a margin. The rate and payment may increase or decrease as the Prime Rate changes. A $25 application fee and a $25 annual fee apply. Credit approval required. 

Unsecured personal loan options that unlock a world of possibilities

Get stress-free access to the funds you need with no burden of providing collateral. Our flexible terms, low rates, and quick approvals make the process simple.

Signature Unsecured Loan

Borrow with ease—no collateral needed!

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Fresh Start Signature Loan

Let us Help You Build or Re-build your Credit!

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Premium Personal Line of Credit

Money when you need it—anytime.

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APR as low as

3.49% Shared Secured Loan1

APR as low as

5.55% CD Secured Loan2

APR as low as

3.49% Money Market Secured Loan3

APR = Annual Percentage Rate

See All Rates
1Requires funds in a CACL Federal Credit Union account be held as collateral. Rate, payment, and term remain fixed for the life of the loan. Loan approval is subject to creditworthiness and account status.
2Loan must be secured by a CACL Federal Credit Union Share Certificate. Payments are fixed for the term of the loan; however, the interest rate is variable and subject to change. Loan approval is based on creditworthiness.
3Loan must be secured by a CACL Federal Credit Union Money Market Account. Rate, payment, and term remain fixed for the life of the loan. Loan approval is based on creditworthiness.

Secured personal loan options designed to lift you up when you need it most

Transform a difficult situation into a pathway to relief with our flexible terms and low rates. Get essential funds in your hands when you need them, without delays.

Shared Secured Loan

Your savings, your borrowing power.

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CD Secured Loan

Low-rate loans backed by your Certificate.

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Money Market Secured Loan

Tap into cash, secured by your money market funds.

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Discover the HY WOW! difference for yourself!

We are dedicated to being your partner through life's ups and downs, ready to do whatever is necessary to guide and support you. Our success comes from our members achieving financial stability and unstoppable growth.

The HY WOW! Difference

Membership Eligibility
A Happy mother hugging her two daughters, enjoying financial peace of mind while spending time together.

How do I apply for a personal loan?

  1. Complete Application

    Apply online by clicking the button below, or visit any of our convenient locations to apply in person.

  2. Application Review

    We'll connect with you to review your personal loan options and to address any questions you may have.

  3. Application Decision

    Upon approval, sign your loan documents to complete your application and gain access to your funds.

Frequently Asked Questions

Personal loans can be used for a variety of purposes, including debt consolidation, medical expenses, minor purchases, or unexpected costs.

A personal loan provides a lump sum of money with a fixed interest rate and set repayment term, while credit cards offer revolving credit with variable rates and minimum payments.

You can borrow anywhere from $500 to $30,000, depending on your creditworthiness, income, and other qualifying factors.

Finance is Complicated.
We Make It Easier.

Check out our financial education resources, made to help you manage your money, plan for the future, and achieve lasting financial success.

Financial Education Blog

Ready to gain access to the funds you need without delay?

Let's get started.