Personal Loan
Flexible funding that just fits.
Personal Loan 101
Borrow up to $40,000 to fund your next milestone or pay off something life tossed your way. If you’re looking to travel, upgrade your lifestyle, cover a minor emergency, consolidate your debt — or something else — our custom personal loans can help get you there.
Make it happen, whatever it may be.
Because every personal loan is, well . . . personal, we offer flexible payment dates and term options to fit your needs. You can choose up to 60 month terms and pay weekly, bi-weekly, semi-monthly, or monthly. You’re welcome to make extra payments whenever you want, and, of course, the application doesn’t cost a thing.
Easily apply to get pre-qualified.
Looking to learn a little more before you apply? Apply for pre-qualification. Learn how much you can afford without hurting your credit (or leaving the couch.) It's a win-win!
Personal Loan Rates
| Type | Term | APR* |
|---|---|---|
Type:
Personal Loan
| Term:
36 month
| APR*:
10.99% - 18.00%
|
Type:
Personal Loan
| Term:
48 month
| APR*:
11.99% - 18.00%
|
Type:
Personal Loan
| Term:
60 month
| APR*:
12.99% - 18.00%
|
*APR=Annual Percentage Rate. The ANNUAL PERCENTAGE RATE you receive will be based on credit worthiness and loan to value amount. Not all members will qualify for the best or lowest rate. All loans are subject to approval. Rates, terms, and conditions are subject to change. Loan amount from $500 - $40,000
Personal Loan Benefits
Auto Pay Advantage is an easy win. First, set up automatic loan payments from your Fortera account in just a few clicks. You’ll never miss a payment, and depending on your loan type, you might even snag a discount.
On the couch or on the go, keep your money close with our Mobile App and Online Banking.
Credit Unions around the world work together to make sure our members can use branches and ATMs everywhere — surcharge-free. Nice, right? Download our CO-OP app and plot your next getaway.
Our skilled experts are easy to reach and happy to help. For members and non-members alike, meetings and consultations are always free, so make the most of your money, on us.
With us, your money is always protected and insured by the National Credit Union Administration. You’re covered on all deposits up to $250,000, so save away.
Or even a lot. Either way, we’re here. Call, text, or chat with our experts anytime you need a friend who knows all things Fortera.
Extra payments on loans are accepted anytime.
Get Started
Cover what you need with a personal loan of your own.
Helpful Resources
More tools and services to make your day a little easier.
Add Debt Protection to Your Loan
If your life takes an unexpected turn, your family’s finances can be strained. But with Member's Choice Borrower Security with Life Plus, your loan payments or balance may be canceled, up to the contract maximums, in case of involuntary unemployment, disability, or death. It’s just one more way you can look out for the people you love.
Take an important step toward financial security. Email us at loans@forteracu.com and ask about Member's Choice Borrower Security with Life Plus today.
Your purchase of Member's Choice Borrower Security with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Member's Choice Borrower Security with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
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DP-3415592.1-0121-0423 CUNA Mutual Group ©2023, All Rights Reserved.
Submit a Debt Protection Claim
Need to submit a claim? No problem, we've got you covered. You can submit a claim at myclaim.cunamutual.com. If you have any questions, please text us at 931.431.6800 or email us at info@forteracu.com and we will be happy to help.
Document Checklist for Personal Loans
To verify your identity, we always ask that you come prepared with a government-issued ID. It is important that it is not expired. Examples of acceptable IDs include a State Driver's License or a U.S or Foreign Passport. If we have trouble validating your ID, we may ask for a secondary ID. If you have a question about whether or not an ID can be used, just text us at 931.431.6800.
In addition to identification, you will also need to bring:
- Income verification
Have questions? Just email us.
Loan Calculator
This calculator helps determine your loan or line payment. For a loan payment, select fixed-term loan. For a credit line payment, you can choose 2%, 1.5%, or 1.0% of the outstanding balance or interest only.
Learn About Additional Insurance Coverage With TruStage
As a Fortera Credit Union member, you have access to additional insurance protection through our partner, TruStage. They provide Life, Auto, Home, and Accidental Death Coverage. You can get up to $1,000 of Accidental Death coverage for free by visiting trustage.com and claiming your offer.
If you have questions for our team about TruStage insurance, please text us at 931.431.6800 or email us at info@forteracu.com.
Need a hand?
Tag us in. Whether you are on your couch or halfway around the world, use Fortera Video Chat to get quick answers from a friendly face.
Document Checklist for Personal Loans
To verify your identity, we always ask that you come prepared with a government-issued ID. It is important that it is not expired. Examples of acceptable IDs include a State Driver's License or a U.S or Foreign Passport. If we have trouble validating your ID, we may ask for a secondary ID. If you have a question about whether or not an ID can be used, just text us at 931.431.6800.
In addition to identification, you will also need to bring:
- Income verification
Have questions? Just email us.
What is a Personal Loan and what is it used for?
A Personal Loan is, well, personal. You can use it for whatever you have going on in your life. Whether you are looking to travel, upgrade your lifestyle, cover a minor emergency, consolidate your debt — or something else — our custom personal loans can help get you there.
Can I make additional payments on a Personal Loan?
Yes! You can make additional payments on your Personal Loan.
Can I set up automatic transfers in Online Banking to pay for my Personal Loan?
Yep! You can make payments toward this loan from Online Banking and you can make payments from a different bank account using our Make A Payment feature.
How much can I borrow with a Personal Loan?
You can borrow up to $40,000.
What is the difference between a Personal Loan and a Personal Line of Credit?
The two biggest differences between a Personal Loan and a Personal Line of Credit are the types of interest rates for each loan and how one receives their funds. Personal Loans are fixed-rate loans and they are given to the member in one large lump sum. Personal Lines of Credit are variable rate loans and members receive access to a line of credit. They can borrow as much as they need without having to commit to a large lump sum.
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