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Personal Loans for Life’s Needs

Whether it’s an unexpected expense or an opportunity you don’t want to miss, Jordan Credit Union’s Personal Loans are built to give hardworking Utah families the financial flexibility they deserve. With low rates, quick approval, and no collateral required, you can handle life’s surprises with confidence.

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Borrow With Ease—No Strings Attached

Our Personal Loans are unsecured, meaning you don’t need to put your car or home on the line to get the funds you need. Use your loan for just about anything—medical bills, car repairs, vacations, or debt consolidation. At Jordan Credit Union, we make the process simple, fast, and friendly, so you can focus on the things that matter most. Whether you need a little extra breathing room or want to finance something meaningful, we’ve got your back with flexible terms and local, personalized service.
Here’s what you can expect when you choose a Personal Loan from Jordan Credit Union:

Apply online or in person and get approved fast—so you can take care of what’s next without unnecessary delays.

Borrow the amount that fits your needs, with loan options available up to $20,000 for everything from emergency costs to personal projects.

You don’t need to risk your home or vehicle. Our Personal Loans are unsecured, giving you peace of mind.

Choose a repayment plan that fits your life, not the other way around. We’ll work with you to find the right timeline.

From consolidating debt to covering emergency expenses, our Personal Loans are designed to help you handle real-life needs with confidence.

Personal Loan Rates

Cover your immediate needs with a personal loan from Jordan Credit Union starting at 11.99%. Whether you need some emergency cash, a new appliance, or need to consolidate some bills quickly, taking advantage of a Personal loan may be a good idea for you.

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*APR = Annual Percentage Rate. On approved credit. Rates subject to change without notice and are based on Approved Credit. Rates shown above are for members with exceptional credit scores. Loan subject to credit approval and other terms/conditions. Rates are based on Prime as published in the Wall Street Journal and subject to change. Payment estimates include payment protection. Contact us for details. ^Monthly payment estimates per $1,000 includes payment protection. Rates updated: Sept 17, 2025

<24 MONTH

11.99%

APR OAC*

Estimated monthly payment per $1,000 borrowed is approximately $48.49.

36 MONTH

12.24%

APR OAC*

Estimated monthly payment per $1,000 borrowed is approximately $34.69.

48 MONTH

12.49%

APR OAC*

Estimated monthly payment per $1,000 borrowed is approximately $27.93.

60 MONTH

12.74%

APR OAC*

Estimated monthly payment per $1,000 borrowed is approximately $23.99.

Build Your Credit with a Share Secured Personal Loan

With a Share Secured Loan, you can borrow against the funds in your savings account while still earning dividends. It’s an ideal solution if you’re looking for a lower-rate loan that protects your hard-earned money. Rather than depleting your savings, this loan allows you to keep it intact, ensuring your emergency fund stays in place. Plus, timely payments are reported to the credit bureaus, which can help boost or establish your credit score over time. As a not-for-profit credit union, our goal is to offer support that promotes financial well-being for every stage of life—so you can borrow with confidence and still save for the future.

*APR = Annual Percentage Rate. On approved credit. Rates subject to change without notice and are based on Approved Credit. Rates shown above are for members with exceptional credit scores. Loan subject to credit approval and other terms/conditions. Stated rate assumes using a certificate of deposit as collateral. Rates are based on Prime as published in the Wall Street Journal and subject to change. Payment estimates include payment protection. Contact us for details.

Cover your immediate needs with a Personal Loan from Jordan Credit Union. Much lower interest rates than a standard personal loan. Since the loan is secured with your cash, it is much easier to qualify.

Five Minute Application

Payday Alternative Loans – A Smarter Option for Short-Term Cash Needs

Sometimes life throws you a curveball between paychecks. When that happens, Jordan Credit Union offers a safer, more affordable solution than payday lenders. Our Payday Alternative Loan (PAL) is designed to give hardworking members quick access to cash while keeping fees and repayment terms reasonable and transparent.
*Applicants must be members of Jordan Credit Union for at least one month to qualify. Only one Payday Alternative Loan (PAL) may be active at any given time, and members may not have more than three PALs within a rolling six-month period. Loan amounts range from $200 to $1,000 with a maximum repayment term of six months. Monthly payments are required, with the first payment due within 30 days of loan disbursement. If repayment cannot be completed under the original terms, the loan may be extended within the six-month term; however, no additional fees may be charged. PALs may not be paid off using another PAL. The fixed interest rate is 28% APR, and a $20 non-refundable application fee is required regardless of loan approval. Members who have been declined for a PAL within the past 90 days are not eligible to reapply at this time.

Our Payday Alternative Loan (PAL) is a simple, short-term solution . You can borrow between $200 and $1,000 with a fixed interest rate of 28%, offering a more affordable option than traditional payday loans. Designed with flexibility in mind, this loan helps you manage unexpected expenses without getting stuck in a cycle of debt.

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Become a Member

We have been fulfilling the financial needs of our members since 1950. We offer free checking, low rates on loans, and great saving rates. Easy to apply. Must live, worship, volunteer, work (or regularly conduct business in), or attend school in Davis, Morgan, Salt Lake, Tooele, Utah, or Weber Counties, UT

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