Skip to main content

Personal Loans

Family running in water reflected by the sunset

Our loans reflect your goals

We offer competitive rates and flexible terms, so you can find a loan that fits your budget. If you've been dreaming about it, let us help you do it with a loan that's right for you:

  • Vacations
  • Home Heating
  • Holidays
  • Electronics
  • Medical bills
  • Unexpected expenses

Summer Skip A Pay. Image of person skipping a song on their phone


Skip your June, July or August 2024 payment and use the extra cash to enjoy some summertime fun or catch up on bills! A variety of loans are eligible to be skipped - including auto Loans, RV/motorcycle Loans, personal loans and more!* For qualified members. 1

Download the skip-a-pay Form

Woman sitting on floor with bulldog reviewing bills

Get your finances back on track

Debt consolidation loans

If you want to consolidate a little or even a lot of debt, we're here to help! Stop juggling multiple payments every month and consolidate everything into one manageable loan payment.

Apply for a personal loan

Man using a laptop for a video call

kickstart your financial future

Credit Builder Loans

Whether you are just starting and looking to establish credit or need assistance improving a poor credit score, our experienced lenders are here to help! With Credit Builder Loans, the amount you borrow will be placed in an interest-bearing savings account and cannot be withdrawn until all monthly payments have been made. Information regarding your payment history is reported to the credit bureau each month to help improve your credit score. Monthly payments can be as low as $40. Upon successful loan repayment, the money is fully available to you. 

Credit Builder Loans can finance up to $2000 for up to 24 months. This way, you are not locked into a long-term commitment but can still reap the benefits of regular installment loan payments. They are the perfect option if you're looking to:

  • Establish new credit
  • Repair poor credit
  • Save for a large ticket item

Visit your local branch, call 888.252.8932, or apply with a live video branch agent!

Apply Now on HFCUVT Video Branch

Small plant inside lightbulb on coins

Financing a sustainable future

green loans

HFCU offers special financing on alternative, renewable, home energy efficiency, and high fuel economy-rated vehicles. We're proud of caring for the environment and excited to support you on your sustainable journey.

Learn more about green loans

Happy family at the airport waving at airplane

Choose your adventure

Vacation Loans

You're ready to take that big trip, but what you've saved for vacation may not cover all the costs. You'll want a plan for covering these expenses, from lodging to flights, food, and entertainment.

Take the trip of your dreams with a Vacation Loan with HFCU. When you're ready to plan, we're here to help you enjoy the vacation fun without all of the financial stress!

Apply for a Vacation loan

A life buoy lays nearby ready to assist

Debt Protection

If you're worried about what will happen to your income if you become disabled or involuntarily unemployed, MEMBER'S CHOICE™ Borrower's Security has got your back. With Life, Disability, and Involuntary Unemployment Protection, you can rest easy knowing that your debt payments won't stop just because of an unfortunate situation.

Life, Disability, and Involuntary Unemployment Protection is available on all consumer loans, so you don't have to worry about being able to pay your bills if something unexpected happens. And since we offer low group rates for these services, you'll also be able to keep more of your hard-earned money in your pocket!

Debt protection can be added or changed at any time during the life of your loan to help protect you from future situations. Contact us to learn more about the options and earn some peace of mind - because life happens. 

Contact us to get started


1 *For qualified members. Offer valid for loan payments in June, July or August 2024. By skipping your loan payment by one month, you authorize Heritage Family Credit Union (HFCU) to extend your final loan payment. Finance charges will continue to accrue on your unpaid balance. Your account must be in good standing and have a minimum of 6 months of payments made to take advantage of this offer. The Credit Union reserves the right to determine if prior subsequent actions may disqualify your account. Should you request a Skip-A-Pay, you will be charged a $30.00 processing fee (per loan). A granted Skip-A-Pay entitles the member to skip one (1) month’s regular payment on the specified loan. The regular payment schedule will resume the month following the elected Skip-A-Pay month. Limit, one Skip-A-Pay granted per loan in a 6 month period, provided your HFCU accounts are in good standing. If your payments are processed through Automatic Clearing House (ACH), HFCU must receive your application 10 days prior to your loan payment due date. You also understand that if you have purchased a GAP policy through HFCU that you are only allowed 2 (two) Skip-A-Pays or deferments during the loan term for protection up to 125% LTV. Real Estate, Visa®, Mobile Homes and Business loans excluded. Federally insured by NCUA.