Personal Loans Crafted For You
Spend Less On Unnecessary Interest And More Time Enjoying Life
Apply Online And Get Your Next Big Move Started Sooner
HERE'S WHAT TO EXPECT WITH ON TAP
Spread more cheer while spending less of your hard earned cash.
Learn about how you can save more using a personal loan compared to credit cards.
3 Easy Steps To Get Your Application Started   |
|---|
STEP 1 : ESTIMATE YOUR SAVINGS
Know what you will pay and start planning your budget. Use this calculator to determine how much you need or how much you can afford.
STEP 2 : Know What You Need To Apply   Contact our experts today to learn about your credit score, prepare your budget, and craft your plan of action to accomplish your goal.
|
|---|
STEP 3 : APPLY
Simple applications, done in the time it could take you to finish a beverage.
Complete your application and relax knowing that our financial experts will be back with your money-saving solution shortly.
“I originally received a personal loan to help me build my credit, now I am on my way to purchasing another vehicle! The more I do with On Tap Credit Union the better life gets. Everyone is so helpful and kind, I can’t wait to work with you when I purchase my new house in the future.”Janice C. , Member Since 2017
On Tap Credit Union Blog: Deep Dive
Why Personal Loan Rates Matter
Frequently Asked Questions
What can I use a personal loan for?
You can use your On Tap personal loan for almost any purpose from consolidating credit card debt and funding home improvements to covering medical bills or other large expenses. We’re here to help you spend less on unnecessary interest and more on the things that matter most.
Do you offer low fixed rate personal loans?
Yes! Our personal loans feature competitive fixed interest rates. With automatic payments and credit approval, you may qualify for our lowest available rate. Your actual rate and terms depend on creditworthiness and other factors.
How do I estimate my personal loan payments?
Use our online loan calculator to estimate monthly payments based on the amount you want to borrow and the term you prefer. This helps you plan your budget before applying.
What credit qualifications do I need for a personal loan?
Like other lenders, approval for a personal loan is based on factors including your credit history, income, and financial profile. We encourage you to speak with one of our loan experts to prepare your application and discuss how to maximize your chances of approval.
Can I speak with an expert before applying?
Absolutely! You can request to speak with a loan expert who can walk you through options, explain rates and terms, and help you prepare your personal loan application.
How long does the personal loan application take?
Our online personal loan application is simple and quick.. After you apply, we’ll review your information and contact you with the next steps.
Why choose a personal loan instead of credit cards?
Personal loans typically offer lower, fixed interest rates compared to credit cards, which can help you save money on interest and manage your debt with predictable monthly payments. This makes them a great option for debt consolidation and larger expenses.
Is membership required to get a personal loan?
Yes, a $5 membership share is required to qualify for a personal loan with On Tap Credit Union. Membership gives you access to our low rates and member-focused service. If you are not a member, we will help you become one as part of the application process.
*Must have automatic payments for the lowest available rate. Subject to credit approval. Requires par membership of $5. Some restrictions may apply. Federally insured by NCUA.