Low Rate, Personal Loans

Unity One Credit Union is your place for low-cost loans. Find the option that works best for you.

Learn more about our Personal Loan Now

View our rates.

Unity One Credit Union's Personal Loans can be used for anything from debt consolidation to car repairs, and qualified borrowers can borrow up to $25,000. Best of all, no collateral is required! Our low-cost loan offers some of the lowest rates in the nation with terms up to 48 months.

Lifestyle Loans


Unity One's Lifestyle Loans are perfect for paying expenses that come with life events. Let us help you finance the important times in your life at a better rate than most credit cards offer.

Use your Lifestyle Loan for:

  • Weddings
  • Surgical procedures (LASIK, cosmetic or weight loss surgery)
  • Medical expense that exceed health insurance coverage
  • Elective or cosmetic surgery
  • Vacations
  • Hair restoration or electrolysis
  • Dentistry or orthodontics
  • Fertility treatments, adoption or family planning
  • Funerals


Lifestyle Loans are made under the same policies and rates as Unity One Credit Union Signature Loans.

Personal Lines of Credit


A Unity One Credit Union Line of Credit Loan gives you access to extra funds when you need them. Once approved, you can borrow up to your authorized limit and use these funds for whatever you like. You only pay interest on the money you borrow. Also, you can borrow against the available balance as often as you like. It's simple. Log into Express Online or Mobile Banking, or call Express Telephone Banking to transfer funds directly into your checking account. We can even mail a check to you at home.

Learn more about our Line of Credit Now

Savings Secured/Savings Certificate Secured Loans

For loans at rates far below the marketplace, our Savings Secured Loan may be just what you need. By pledging your Unity One Savings Account or Certificate of Deposit, your money will continue to earn dividends while serving as collateral for your loan.

Cash Advance Loans

You don't need to visit a traditional payday lender or pawnshop to help you get to your next paycheck. A Unity One Credit Union Cash Advance Loan can help you make ends meet without the outrageous rates and fees other places charge. You'll save money with a low-cost Cash Advance Loan and receive flexible payment terms.

Student Loan Notice

Unity One is partnering with Higher Education Servicing Corporation (HESC) to provide private student loans to members--the Texas Extra Credit Education Loan. With competitive rates, 10- or 15-year repayment terms, no origination or disbursement fees and more, the Texas Extra Credit Education Loan may be the perfect funding solution. Apply online. Texas Extra Credit Education Loan

Protection for Loans

Credit Life Protection for Loans

Reduce or pay off your outstanding loan balance, up to the policy maximum, if you become deceased before paying off the loan.

Credit Disability Protection for Loans

Ensure your ability to make your monthly loan payment should you become disabled due to a covered illness or injury.

*APR = Annual Percentage Rate. Rates quoted as annual percentage rate and “as low as”. Terms may vary depending on creditworthiness. Rates subject to change without notice. You must qualify for the lowest rate.

You are now leaving the Unity One CU website and entering a site hosted by another party. Be advised that Unity One CU is not responsible for the content on the site, and its privacy and security policies may differ from ours.