Personal Loans

 Personal loans are usually secured only by your signature and 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.

Apply for a Personal Loan

Personal loan rates APR as low as* Loyalty APR as low as°
Personal Loan - (12 months) 7.50% 7.25%
Personal Loan - (24 months) 8.50% 8.25%
Personal Loan - (36 months) 9.50% 9.25%
Personal Loan - (48 months) 10.00% 9.75%
Personal Loan - (60 months) 10.50% 10.25%

These rates are effective March 4, 2021.


Looking for other options?

Payday Alternative Loans

A small short-term loan similar to a payday loan but without the sky-high interest rate. With its longer repayment term, the PAL will help you develop healthy savings habits. View the qualifications for a PAL.​​​​​​

Apply for a PAL

Premier Personal Loans

If your credit score is 720 or higher, you may qualify for a Premier Personal Loan at a lower rate, available in amounts from $10,000 up to $40,000.
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Apply for a Premier Personal Loan

 

Premier and PAL rates APR as low as* Loyalty APR as low as°
Premier Personal Loan (60 months)1 7.50% 7.25%
Premier Personal Loan (120 months) 8.00% 7.75%
 Payday Alternative Loan (PAL) - (6 months, $1000 max)2 19% N/A
 Payday Alternative Loan (PAL) - (6 months, $1000 max) 21% N/A

These rates are effective March 4, 2021.

APR = Annual Percentage Rate. Includes Loyalty Program discount of 0.25% APR when enrolled in eDocs and while maintaining direct deposit of net income to Veridian or, if unavailable, a minimum of 10 qualifying checking account transactions per month. Borrowers will lose discount if they fail to meet Loyalty Program qualifications during loan term. Rates, terms and conditions subject to change and may vary based on qualifications, including creditworthiness. All loans subject to approval. See Veridian for details.

APR = Annual Percentage Rate. Includes Loyalty Program discount of 0.25% APR when enrolled in eDocs and while maintaining direct deposit of net income to Veridian or, if unavailable, a minimum of 10 qualifying checking account transactions per month. Borrowers will lose discount if they fail to meet Loyalty Program qualifications during loan term. Premier Personal Loans require a minimum credit score of 720 for all borrowers. Additional requirements must be met. Rates, terms and conditions subject to change and may vary based on qualifications, including creditworthiness. All loans subject to approval. See Veridian for details.

APR = Annual Percentage Rate. Rate does not take into account your required deposit. 19% APR with automatic payments, 21% APR without. PALs are limited to one every six months. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications. All loans subject to approval. See Veridian for details.

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Locations in Iowa and Nebraska to serve you.

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