Personal Loans
Flexible Personal Loans for Life's Big Plans!
Indiana Members Credit Union Personal Loans* are designed for life’s bigger plans. Whether you're renovating your home, consolidating debt, or planning a dream vacation. With fixed interest rates, predictable monthly payments, and flexible terms up to 60 months, our personal loans offer the stability and convenience you need to move forward with confidence. Enjoy fast approval, competitive rates, and the trusted support of your local credit union.
Why choose an IMCU Personal Loan?
- Use for Home Repairs, Debt Consolidation, Travel, ect.
- Fixed Rates and Monthly Payments
- Flexible Terms (Up to 60 months)
- Local Loan Officers for Personalized Support
Apply online in minutes or visit your nearest IMCU branch to speak with a loan specialist.
Requirements
- Must be an existing Indiana Members Credit Union member for at least 90 days
- Must be at least 18 years of age
- Membership checking account and net direct deposit are required
- Loan is available through Digital Banking
- Eligibility applies to the Primary Account Holder only
- Must be current on all existing IMCU loans
Personal Loans vs Quick Cash Loans
| IMCU Personal Loan | Quick Cash Loan | |
|---|---|---|
| Loan Purpose | Ideal for planned expenses like home improvements, travel, or debt consolidation | Designed for short-term, emergency needs like car repairs or unexpected bills |
|
Loan Amount
|
Higher loan amounts available (based on creditworthiness) | $1,000 for first-time borrowers; up to $2,000 after repayment |
| Terms | Flexible terms up to 60 months | Short-term repayment (typically a few months) |
| Interest Rate | Fixed rates based on credit | Fixed rate, typically higher than personal loans |
| Credit Check | Yes, credit check required | No credit check required |
| Eligibility | Must be a member for 90+ days, 18+, with direct deposit and checking | Same eligibility, but only one Quick Cash Loan at a time |
|
Application Method
|
Online, in-branch, or through Digital Banking | Available only through Digital Banking |
| Best For | Larger, planned expenses with longer repayment needs | Quick access to small amounts of cash in emergencies |
Investment Services
Invest In Your Future
If you’re getting started, ready to retire or are already enjoying retirement, we can help!
Credit Card Offer
3.9% APR* Intro Rate
Low intro rate and balance transfer rate offers flexibility.
Digital Banking
ENROLL TODAY!
Detailed instructions can be found here! For questions, please contact Member Services at 800.556.9268.