Personal Loans

Vermont Federal is continuously developing new loan programs to meet our members' borrowing needs. We do not require application fees, nor do we charge penalties if you pay your loan off early. These installment loans allow for flexible terms which help us to find the loan program that's right for you.

You can manage your loan accounts 24 hours a day through Online Banking, via phone, mail or at one of our convenient branch locations.

Apply for a Personal Loan

Overdraft Line of Credit

Overdraft Line of Credit automatically transfers money, in increments of $50, if you overdraw your Vermont Federal Share Draft account. This helps you to avoid non-sufficient funds (NSF) fees.*

Lifestyle Loan

There are times in your life where unexpected expenses arise and putting the charge on a credit card is either costly or not an option. This loan offers a competitive rate that may be used for a variety of life-event expenses including: weddings, adoptions, cosmetic surgery, LASIK surgery, funeral expenses, infertility treatments, summer camps for kids, uninsured medical/dental expenses, veterinary care and more. This loan offers a low fixed rate with terms from three to five years.

Unsecured Loan

This loan is suitable for most purposes, including debt consolidation, home improvements or other discretionary reasons.

Fuel Assistance Loan

This loan is designed to assist you with the cost of heating your home. You can use it to pay your fuel supplier or to buy wood, or pellets, for your stove. The minimum loan amount is $300 with a maximum term of 10 months. Proceeds of the loan are made payable directly to the fuel supplier upon presentation of your invoice.

Freedom Home Loan

This loan gives you the freedom to improve your home efficiency. Whether you're interested in installing new windows, replacing your roof, purchasing new appliances, or you need a new furnace, this loan provides flexibility without extensive documentation or excessive fees.

  • No appraisal required
  • No receipts required
  • Maximum loan of $10,000
  • Maximum term of 60 months
  • Bring your plan, cost estimate and a recent tax bill to us at the time of the loan request

Holiday Loan

The holidays can be stressful enough with long lines and traffic; let us help you this season with all your holiday needs. Take advantage of our Holiday Loan: with a low fixed rate you can keep a little more in your savings account this year.

Tax Payment Loan

Worried that you might owe the State or Federal Government money after completing your tax return? Our short-term loan can assist you with this unexpected expense, with a minimum loan amount of $500 and a standard repayment term of 12 months.

Credit Builder Loan

First time borrowers or those with past credit problems will benefit from Vermont Federal's Credit Builder Loan. This loan can help you establish credit if you are a new borrower or wish to re-establish credit and raise your overall credit score.

Share Secured Loan

Use your Vermont Federal deposit funds as security for a low-interest loan. This loan can help you build a strong credit history and your savings will continue to earn dividends.


Please visit our calculators page to see if one of our loan calculators can help determine the best option for you.

*Minimum monthly payment of $15 for up to $500 transfer when ODLOC is in use. Monthly repayment terms may vary. All loans are subject to credit approval.

**APR is the Annual Percentage Rate on the loan. Rates are subject to change without notice. Must be a member of the Credit Union to obtain a loan. All loans are subject to approval.
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