Consumer Loans – Borrowing and Lending – Personal Banking - Veridian


Consumer Loans

Your financing needs are unique, and loans are not “one-size fits all.” We offer a variety of personal loans to fit your unique needs.

Personal Loan

Personal loans are usually secured only by your signature. Therefore, you'll likely have a slightly higher interest rate.

  • Available for any amount up to $20,000 per member for those who qualify
  • To qualify for a personal loan, you'll be asked to provide a proven record of job stability, good credit and a manageable debt load

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Payday Alternative Loan (PAL)

A small, short-term loan, similar to a payday loan but with no sky-rocket interest rates. With its longer repayment term, the PAL will help you develop healthy savings habits.

  • Available up to $1,000
  • Half available up front, other half held until loan is paid in full
  • Limited to one loan every six-month period. $25 application fee included in loan repayment.
  • Interest rate as low as 19% APR


A personal loan could lower your interest rates, shorten your payment terms, and let you take control of your financial life. To find out more, speak with one of our experts.

APR = Annual Percentage Rate. The annual percentage rate does not take into account your required deposit. 19% APR with Automatic Payment, 21% APR without Automatic Payment. For a $1,000 fixed Payday Alternative Loan (PAL) with a term of six months and 19% APR, the monthly payments will be $177. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications. PALs are limited to one every six months. All loans subject to approval.

Locate a Branch

Locations in Iowa and Nebraska to serve you.

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