Personal Loans

Personal Line of Credit
You can establish an unsecured, revolving line of credit loan to use for any of your personal needs; up to $10,000 on approved credit. Once established, this line of credit can be accessed through La Loma's touch-tone automated telephone "Express Line", and delivered by loan check or a transfer deposit to your savings or checking account. A line of credit would be ideal for: Vacation Costs, Special Purchases, Auto Repairs, or Emergency Expenses.

Computer Loans
La Loma now provides a great alternative to store financing for your new computer. You can borrow up to 100% of purchase price including tax (inclusive of printer & scanner/must be listed on purchase order) with a maximum of $4000. La Loma offers a competitive rate of 11.9% APR* for 36 months.

Overdraft Line of Credit
La Loma's Overdraft Line of Credit Loan ties directly to your checking account with La Loma FCU. If funds are not available in your checking account, the overdraft transfer deposit works to keep a positive balance in your checking account. It assists members by avoiding NSF fees from the payee and credit union return fees. This is an unsecured line of credit loan up to $2,500 on approved credit. A definite benefit for those with busy lives.

Share & Certificate Loans
These loans enable you to use your savings as collateral; the advantage to these loans are the low interest rates and no credit approval requirement. Up to 90% of your regular share deposit and certificate deposit can be borrowed. Just another reason why La Loma should be your first choice for your loan needs.

Tax Loans
Does tax time have you worrying over your finances?? Worry no more with La Loma's tax loan your problems with the IRS will be gone. La Loma's tax loan is available every year from February through April during tax season. This is a 12 month loan at 12% APR*.

Holiday Loans
Tired of the mounting credit card bills during the holidays or just not enough cash flow for those holiday expenses, La Loma's Holiday Loan is the answer. Available every year from November through January, La Loma provides two loan options for the Holiday Loan.

Loan Amount:        $1,200           $800
Interest Rate:        12.0% APR*   10.0% APR*
Repayment Term:  12 month       8 month
Monthly Payment:  $108             $105

*APR= Annual Percentage Rate