Personal Loans in Vermont
Flexible, no-collateral loans designed to help you manage life’s surprises — from debt consolidation to unexpected expenses.
Overview
What is a Personal Loan?
A personal loan is a flexible, unsecured way to borrow money based solely on your creditworthiness. Unlike loans backed by a vehicle or home, personal loans require no collateral making them ideal for debt consolidation, emergency repairs, or covering unexpected costs.
Whether you’re paying off higher-rate credit cards or need extra funds for a big expense, a personal loan gives you control with predictable terms and fixed rates.
Looking for a lower rate or a way to borrow against your savings? Explore our Share Secured Loan option for a flexible, collateral-backed alternative.
Today’s Rates
All Rates Effective April 1, 2025
Personal/Signature
| Term | APR as low as |
|---|---|
| 24-60 months | 10.74% |
Loan rates are listed “as low as” and are determined by the term of the loan and an evaluation of your credit. All rates quoted are subject to change. Your rate may vary from the rate shown above. Rates will vary based on the age of the collateral. Contact us for collateral older than these ranges.
Member-Focused. Locally Rooted.
Borrow Smarter—No Collateral Needed
Consolidate debt, cover repairs, or manage one-time expenses with a fixed-rate personal loan backed by local support and fast approvals.
loan Benefits
Simple Financing for Life’s Needs
Unsecured, Flexible Funds
Borrow without putting up collateral. Perfect for covering medical bills, repairs, or other personal expenses.
Consolidate High-Interest Debt
Merge multiple debts into one easy monthly payment, often at a lower rate than credit cards.
Fixed Rates & Terms
Enjoy peace of mind with a consistent monthly payment and terms up to 60 months.
Fast Decisions, Local Support
Get the funds you need quickly, with guidance from your local 802CU lending team.
Frequently Asked Questions
Have Questions? Let Us Help!
Banking Services
Bank Smarter With The Right Tools
From budgeting tools to fraud protection, we’re here to help you feel confident and in control of your finances.
More Than a Member
As a member-owner, you’re doing more than banking. You’re building a better financial future with a credit union that puts you first.
Testimonials
Hear From Our Members!
Real stories from real people who’ve found their financial home.
I recently moved to Vermont and was looking for a new financial institution. Several people recommended 802 Credit Union. Kim helped me set up my accounts, my direct deposit and got me started with online banking. She showed me how to use Bill Pay, which I never used at my previous bank. What a huge convenience! I highly recommend 802 Credit Union and all the staff at the Windsor branch.
Sarah
Windsor, VT
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