Personal Loans

More Ways to Borrow

Loans and Lines of Credit, When You Need Them

Personal Loans

When life throws curve balls, we can help you meet the challenge. Hoosier Hills offers both personal loans and lines of credit.

Our signature loan offers you a lump sum, up to $10,000, at a fixed rate with terms up to 60 months.*

With a line of credit, you can borrow only when you need to, up to $5,000.* You can even use a line of credit to ensure you do not overdraw other accounts.

Competitive rates
No prepayment penalties
Fixed rates
Local loan decisions

Ready for a Loan or Line of Credit?

Apply in minutes

Apply Now

Signature Loan Rates

Term	APR (Annual Percentage Rate)*
12 months	10.15%
24 months	10.15%
36 months	10.75%
48 months	11.00%
60 months	11.15%
Rates updated as of 11/20/2025. Rate may vary based on credit score. The maximum APR that can be imposed is 21%. Rates above are for HHCU's Signature Loan and do not apply to HHCU's Signature Line of Credit.

Secured Loans

Building a Foundation, Securing a Future

A key step in every financial journey is securing credit. A share or certificate secured loan is a small loan which allows you to use your own funds as collateral. This is often done to help you establish the credit which will serve as your financial foundation.

Begin building your credit today. Apply for a share or certificate secured loan.

Apply Now

Good Neighbor Loan

The Hoosier Hills Good Neighbor Loan is available to help Members who have been laid off from their jobs or who have gone on strike pay their living expenses/bills until they are able to go back to work. It is a Signature Loan for up to $25,000 with no payments for six months.*

If you think a deferred Good Neighbor loan might be an option for you, give us a call or see us at your local Service Center. We’d be happy to help!

Special 8.500% APR*
Deferred repayment
Additional employment resources available

Disclosures

*Example: $10,000 at 8.5% APR for 36 months with a $329.02 monthly payment. Finance charges begin accruing from the transaction date, but payment may be deferred for up to six months. Available for a limited time. Offer subject to change without notification. Subject to qualifications standards.

** Rate updates as of 5-21-24.

HELOC

As the value in your home increases over time, you build equity. You can use this equity to secure a loan at a lower rate than that of a personal loan.

Learn More

Home Equity Loan

As the value in your home increases over time, you build equity. you can use this equity to secure a loan at a lower rate than that of a personal loan.

Learn More

VISA Credit Cards

Learn more about HHCU's Visa Credit Cards. Our low rates and fewer fees make this card a simpler way to borrow.

Learn More