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.

Loan Benefits

Always in your pocket

On the couch or on the go, keep your money close with our Mobile App and Online Banking.

Where you go, we go

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.

Goal setting made simple

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.

Rest easy

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.

Get by with a little help

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.

Set, forget, save

Auto Pay Advantage is a triple 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.

Get Started

Cover what you need with a personal loan of your own.

Member Resources

Show me the quick links! These are the things we always seem to need and can never seem to find.

Credit Life, Disability, and Unemployment Protection
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Ensure that you and your loved ones are financially secure even if unplanned accidents happen. Add MEMBER'S CHOICE payment protection on your loan. The protection steps in when your family needs help making your loan payment should you become disabled due to a covered illness or injury, become unemployed, or pass away before paying off your loan.

Sorry to bring the mood down, but we've got to talk safety first. If you have a question or would like to add MEMBER'S CHOICE to your loan, email us and we will be happy to help.

Submit a Payment Protection Claim
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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
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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
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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.

Need a hand?

We can help! Give us a call and let's chat face-to-face.

Document Checklist for Personal Loans
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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?
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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.

What are the term lengths for a Personal Loan?
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We offer flexible payment dates and term options to fit your needs. You can choose between 3 - 60 month terms and pay weekly, bi-weekly, semi-monthly, or monthly.

Can I apply for a Personal Loan online or do I need to apply for it at a branch location?
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You can apply for this loan online or in-person. The choice is yours.

Can I make additional payments on a Personal Loan?
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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?
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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?
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You can borrow up to $40,000.

What is the difference between a Personal Loan and a Personal Line of Credit?
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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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What's New

Nitty, gritty, and super important.

Fine print is your friend. When you have a minute, give these a good read:
Member Service Agreement
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Privacy Policy
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