Personal Loans

You can use personal loans for a wide variety of reasons, such as weddings, auto repairs, home improvements, debt consolidation, vacations, and more!


24-Hour Decisions

We make the process quick and easy with simple applications, 24-hour decisions, and convenient closing options.

Free Official Checks

We can pay the companies or creditors directly from the loan proceeds with free Official Checks.

No Origination or Application Fees

Some lenders charge an origination fee of between 1% and 8%. At FiCare, there are no application or origination fees.


What Is Your Goal?

A personal loan may be just what you need!

Consolidate My

Home Improvement

Pay for
an Event or School

Cover My
Medical Expenses

Consolidate My Debt


Combine debts, such as credit cards, store cards, personal loans, collections accounts, and more. We make it easy by paying off the accounts for you.

  • Simplify your life by turning multiple payments into one manageable monthly payment.
  • Consolidate debts with higher interest rates to lower your cost of debt, pay off debt faster, and achieve the goal of becoming debt-free!

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Home Improvement


Update your bathroom, upgrade your appliances, replace your countertops, or install a refreshing new pool. You can do so much around your home with a personal loan.

Convenient and Easy

We can make direct payments to the companies doing the work.


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Pay for an Event or School


Make your dreams a reality, whether it be your dream wedding or vacation. Use a personal loan to continue your education, helping you secure your dream career. You may use a small personal loan to get your children prepared for the new school year.


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Cover My Medical Expenses


Cover a large hospital bill, consolidate multiple medical debts, or clean up those collections on your credit report. You can finally get the LASIK vision correction you have always wanted or the braces your child needs. A personal loan can pay for a variety of medical, dental, and vision expenses.


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How It Works

  • Loan Amounts: From $500 up to $30,000
  • Term: 84 months or less, depending on the amount borrowed
  • No application fees, loan fees, or prepayment penalty
  • No collateral required
  • Your credit score determines your loan interest rate.
  • Depending on the amount, you may be required to provide estimates of the expenses or statements of the accounts you are consolidating before approval.


Loan offers are subject to credit approval based upon applicant’s conformity with standard credit union approval guidelines. Loan application submitted Friday through Sunday or on holidays typically receive a decision the next business day. Speak to a Loan Officer for further details. Official checks are free when paid directly to the creditors or companies from the loan proceeds at the time of loan closing. Official checks requested during other branch visits are subject to a fee. See Fee Schedule.



Share Secured Loans

No Credit Checks

Since the loan is secured by your savings, we do not pull credit to determine approval.

Save Money

Rates for share secured loans are much lower than unsecured personal loans.

Guaranteed Approval

You won’t be turned down as long as you can provide proof of sufficient income.


What Is Your Financial Goal?

A share secured loan can help!


Build My

Keep Building
My Savings

Borrow Without
a Co-Signer

Build My Credit

Share secured loans are ideal for young adults seeking to establish credit, those rebuilding their credit after a bankruptcy, and those who simply want to improve their score.


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Build My Credit and Savings

You’ve worked hard to save. With a share secured loan, your money remains in the account and continues to earn dividends. You get the funds you need without draining your savings.


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Borrow Without a Co-Signer

Share secured loans don’t require a credit check for approval. If you have sufficient income to make the monthly payment, you’re approved. No co-signer needed! Plus, this loan can help you improve your credit, which may help you get other loans without a co-signer in the future.


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How It Works

  • No credit checks
  • No application fees, loan fees, or prepayment penalty
  • Payment history is reported to the credit bureau
  • Minimum $500
  • Maximum amount is determined by amount in your savings account.
  • Term: 120 months or less
  • The loan interest rate is determined by the rate of the savings product securing the loan.
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