Personal Loans
NSPCU’s competitive Personal Loan rates can help make your goals a reality, from big purchases to big moments.
We have personal loan options to fit your needs.
Our competitive rates on Personal Loans are just one of the many ways NSPCU supports our members’ financial and personal goals. Whatever your personal needs—financing a vacation or wedding, sending a student off to college, consolidating debt, paying for a major purchase and beyond—there’s an NSPCU loan product with a great rate waiting for you.
Explore our Personal Loan options below and choose the products that meet your needs!
Auto Loans
Competitive rates can bring extra options under budget.
- Competitive rates on new or used vehicles
- Accommodating terms, customized to your situation
- Pre-approval available for extra bargaining power at the dealership
- GAP, Payment Protection, and Mechanical Repair Coverage available
- Local decision-making and processing
- Attentive, friendly service from start to finish
Looking for your Next Car? Let NSPCU Help.
Purchasing a new or used car can be an intimidating process, but with NSPCU’s Payment Calculator and Refinance Calculator we’ll help alleviate the stress and have you prepared to get behind the wheel of your next ride.
Use our auto calculators below to make your next smart money decision!
Recreational Vehicle Loans
Be free to explore the great outdoors.
- Competitive rates for a wide range of recreational vehicles:
- Boats and watercrafts
- RVs
- ATVs
- Motorcycles
- New Ice Fishing Houses (i.e. Ice Castle, Yeti, etc.)
- And more...
- Accommodating terms, customized to your situation
- Pre-approval available for extra bargaining power at the dealership
- GAP, Payment Protection, and Mechanical Repair Coverage available
- Local decision-making and processing
- Attentive, friendly service from start to finish
KEY FEATURES
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Competitive Rates
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Free Pre-Approval
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Local Processing
Personal Loans
From car repairs to family vacations, we’ve got you covered.
- Competitive rates for a wide variety of personal needs:
- Consolidate debt
- Pay taxes
- Plan a vacation or wedding
- Home renovations
- Supplement your income
- And more...
- No collateral necessary
- Accommodating terms, customized to your situation
- Local decision-making and processing
- Attentive, friendly service from start to finish
KEY FEATURES
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Competitive Rates
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No Collateral Necessary
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Local Processing
Student Loans
Wherever you are in your higher education, get the money you need for school.
- Competitive interest rates
- Multiple repayment options
- No origination fees; no prepayment penalty*
Learn more about Smart Option Student Loan by Sallie Mae.
KEY FEATURES
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Competitive Rates
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No Origination Fee
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Rate Reduction Available
Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much interest the student expects to earn in the future, before considering a private student loan.
These loans are made by Sallie Mae Bank or a lender partner. NSP Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.
Smart Option Student Loan and graduate loan products: These loans are for students at participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend a participating school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and provide an unexpired government-issued photo ID to verify their identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.
*Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note-first to Unpaid Fees and costs, then to Unpaid interest, and then to Current Principal.
SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.
© 2021 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.