Personal Loan

This Personal Loan gives you a lump-sum deposit in your Civic account for immediate use. Pay for expenses or consolidate debt!

apply today

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A young couple celebrates their recent move, made possible with Civic's Personal Loan.

Affordable

Rates as low as 10.13% APR¹

Prepare

Cover unexpected expenses

Consolidate

Reset your high-interest debt

Is getting a personal loan a good idea?

When you get a fast approval for a Personal Loan online, the funds are deposited into your Civic savings or checking account as a lump sum. This can be helpful if you need immediate access to funds to break down large, sudden expenses into manageable payments.

A Personal Loan can also help you consolidate or restructure your high-interest debt with rates as low as 10.13% APR.¹ Consolidating your debt with a low credit union rate can help lower your payments and help you pay your debt off faster. Break it all down into affordable payments with a Civic Credit Union Personal Loan.

A man checks the deposit of his recently approved Personal Loan through the Civic app on his cellphone.

Terms

Low rates and low fees

Fixed principal and interest payments
Term lengths from 12 to 60 months
No origination or application fees

Features

Choose to borrow better

Life and disability insurance options available
Early payoff has no penalties
Secured loan options available

Ready to apply?

Pay for large expenses or consolidate debt with a low-rate Personal Loan

apply today

Let's really get personal

Flexible and dependable, personal loans can be used to cover almost any expense. Use the calculator to preview what your new payment could be.

Thinking of consolidating other high-interest debt? Provide us with balance information and get a personalized estimate of your new consolidated monthly payment.

Credit Card Debt

Total Credit Card Balance Interest Rate Monthly Payment

Need help? Try our Credit Card Worksheet.

Installment Debt Debt Consolidation Loan

$0/month^*

^*The Personal Loan Calculator is provided for informational purposes only. All loans are subject to approval. Final finance amount may be different.

Life is digital

So are these everyday financial tools

Graphic of a credit score meter to track progress.

Get up close and personal with your credit score

Civic provides ATM access any where in the world.

Get cash from any ATM with reimbursed fees

Graphic of bills that shows how easy it is to use bill pay.

Pay bills from anywhere or schedule them with the app

Personal Line of Credit

Get a Personal Line of Credit to prepare for gaps in your income, sudden expenses, or to consolidate debt. Withdraw funds as needed at lower rates than a credit card.

Rates as low as 12.75% APR
Flexible loan amounts to meet your needs
Reusable for 10 years
Can be used to consolidate debt, too

learn more

Classic Credit Card

Lowest possible rates

0% APR on purchases and balance transfers for first 6 months
Interest rates as low as 12.00% APR
Individual loans up to $30,000, joint accounts up to $60,000
No application, annual or cash advance fees

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You know the details matter (and you are in good company)

Here are a few FAQs

Do I have to take a lump sum distribution?

Yes. All of the funds must be distributed from the loan at once. If you want more flexibility on when you take distributions from your loan, we suggest a personal line of credit.

What is a secured loan option?

Civic members can use the funds currently on deposit as collateral for a loan. These funds should be free of any holds and must be located in a Select Savings or Choice Certificate account.

What can I buy with a personal loan?

Personal loan funds are flexible in that they are to handle personal matters. Use the funds to cover whatever needs match your particular situation.

When would my payments start?

Approved borrowers can schedule their first payment up to 45 days out. During your application, a loan officer will discuss all repayment schedule options available to you.

Where do I send my Civic loan payments?

Whether you mail your loan payments to us directly, or use an external bill paying service, the payment address is:
Civic Credit Union
PO Box 71204
Charlotte, NC 28272

This address is for payments to Civic Personal Loans, Auto Loans, Personal Lines of Credit, and Home Equity Lines of Credit (HELOCs).

Please note: This address is not for Civic credit card or mortgage payments, or for any commercial loans you may have with us.

View All FAQs

Apply for a Personal Loan and take control

Get a fast approval for a lump-sum deposit into your Civic savings or checking account and break large expenses into affordable payments. Or use the low rate to restructure your debt for lower payments and to pay it off faster.

apply today

1 APR = Annual Percentage Rate. Subject to approval. Rates and credit limit based on member's credit history. Borrowers must be at least 18 years old and live in NC, SC, GA, VA, or TN. Maximum APR is 18.00% and maximum term is 60 months.