At Metco Credit Union, we make it simple to get the money you need — no collateral required. Our unsecured personal loans (also known as signature loans) are designed to give you financial flexibility for life’s planned and unplanned expenses. You’ll enjoy low, competitive rates, fast processing, and decisions made right here in Cedar Rapids by people who understand your needs.
Our friendly, local team will help you find the right solution for your budget, so you can focus on what matters most.
Whether you’re looking to consolidate debt, cover an emergency, or finance a special purchase, Metco Credit Union makes borrowing easy.
Our quick, online application process and local support team mean you’ll get answers fast — without the hassle.
*Annual Percentage Rate. Loans offered with approved credit and terms subject to change without notice. Not all borrowers will quality. Other terms and restrictions may apply, see credit union for full details and disclosures. Federally insured by NCUA.
A personal loan provides funds for various needs and is repaid with fixed monthly payments.
Common uses include debt consolidation, medical bills, and home repairs—personal loans can be used for just about anything, depending on your needs.
Many personal loans are unsecured, meaning no collateral is required.
At Metco Credit Union, we consider a variety of factors—not just credit score—when reviewing a personal loan application. The best way to determine your options is to meet with a loan officer who can review your full financial picture.
Funds are often available within a few business days.
Personal loans often have lower fixed rates and predictable payments.
Generally, yes, however terms vary by loan.
Typically, 1 to 7 years.
Personal loan amounts vary based on income and credit.
Yes. Please complete our secure online loan application to apply for a personal loan.
Yes, but consistent payments can improve your score.
Yes. This is one of the most common uses.
Typically, you’ll need a valid ID, income verification, and basic financial information to complete your application.
Some personal loans include origination fees.
At Metco Credit Union, our lending team reviews your complete financial picture—including credit, income, and debt—to help determine the best loan options for you
