Low Fixed Rate Terms
Qualify for the lowest rate and start saving. GHS personal loans come with a low fixed rate and terms of up to 60 months. So you can better budget your payments – while making the purchases you’ve planned for (or the unexpected ones).
View Current Rates| Loan Type | Term* | Non-Variable APR with Rate Discount up to 0.25%* |
|---|---|---|
| Unsecured Loans | 1 to 12 Months | |
| 13 to 24 Months | ||
| 25 to 36 Months | ||
| 37 to 48 Months | ||
| 49 to 60 Months | ||
| Certificate Secure Loans | Maximum Term is Certificate Maturity Date (with up to 60-month repayment calculation) | APR + 3.00% |
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Apply Online
Login to Online or Mobile Banking.
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Submit
Complete your application and submit.
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3
Get a Loan
GHS will contact you in as little as one
business day to secure your loan!
Applying Is Easy
Personal Loan Payment Calculator
Use this calculator to calculate your monthly loan payment estimate based on the amount of the loan and see how different loan terms or down payments can impact your monthly payment.
Other Personal Loan Options
Whether you need quick cash to consolidate outstanding debt or you’re planning the vacation of a lifetime, we can help you achieve your goals the responsible way. Get the most out of life and fulfill your financial needs with an affordable personal loan from GHS Federal Credit Union.
Holiday Loans
Need some extra cash for the holidays? GHS has you covered with Holiday Personal Loans. A Holiday Loan is a great short-term loan to help you cover expenses like plane tickets to see family, holiday gifts, and whatever else you need to make the season merry and bright.
Boost your holiday budget with a GHS Holiday Loan.
Overdraft Line of Credit
Going negative and overdrawing on your checking account is frustrating. Get protection from unexpected fees with an Overdraft Line of Credit. This convenient personal loan option is available to all GHS members and provides you with a safety net should you overdraw from your account.
Personal Loans FAQ
Do I need to tell my lender what I want to do with the funds?
Personal loans provide you with a great deal of flexibility. In most cases, you don’t have to share with us how you plan to use the funds.
Do I have to be a member to get a loan with GHS?
Yes, our loans have discounted interest rates and no fees as a special perk to our members. Learn more about our checking accounts.
Become a member today!
What interest rate will I get for my personal loan?
There are several factors that go into individual interest rates, and there is a range of rates that you may receive. If you’ve applied online, one of our trusted loan officers will contact you to complete the application and tell you your personal interest rate and why that rate was chosen.
Can I consolidate multiple debts or debts from other financial institutions using a GHS Federal Credit Union personal loan?
Yes. When working with a GHS loan officer, let them know you’re interested in consolidating debt into one loan with a lower interest rate and one monthly payment. GHS may even be able to take the leg-work out of consolidating and pay off your debts directly!
Why Consider A Personal Loan?
When you use a personal loan responsibly, it can be a smart and highly cost-effective way to secure credit. That’s because the interest rate on a GHS Federal Credit Union personal loan is typically less than on a credit card. This allows you to achieve personal goals without risking financial trouble. Additionally, GHS personal loans come with a low fixed rate and terms of up to 60 months. So you can better budget your payments – while making the purchases you’ve planned for or the unexpected ones.
Loans with added peace of mind
Credit life insurance and credit disability insurance are also available on GHS personal loans. These policies pay on your loan should you die or become disabled. Learn more about Debt Protection or talk to your loan officer.
*APR = Annual Percentage Rate. Rate shown is “as low as.” All loans subject to credit approval. Rate and term to be determined based on creditworthiness. The rate will not increase while the plan is open. Refinancing of existing GHS FCU loans do not qualify. Cannot be combined with any other offer. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. Minimum loan amount is $500.00. Some restrictions may apply. Rates and terms are subject to change.