Personal Loans Customized Just For You

At Vermont Federal, our Personal Loans are designed with your unique financial needs in mind. We offer flexible personal loan options with no application fees and no prepayment penalties, making it easier for you to borrow confidently!

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Find the Right Loan for your Needs

 

Personal Loan

Our Personal Loan is ideal for when you need some extra cash to cover life's expenses! Choose competitive rates, flexible terms, and no application or prepayment fees so you can move forward with confidence and peace of mind. A personal Loan can help you fund:

  • Wedding Planning

  • Vacation or Travel

  • Education or Training

  • Debt Consolidation 

  • Home Improvement Projects

  • Unexpected Expenses 

  • Major Purchases

  • Moving Costs 

  • Medical or Dental Procedures 

  • And More!

 

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Affordable Rates

Fund your lifestyle without breaking the bank, check out our affordable loan rates.

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No Hidden Fees

What you see is what you owe. Clear, straightforward financing with no surprises.

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Quick Access to Funds

Enjoy a smooth, stress-free experience designed to get you the funds you need, when you need them.

APY=Annual Percentage Yield. 

1 All Rates and offers on this page are subject to change at any time without notice. $5 Share Deposit required for Credit Union membership.
2 Minimum monthly payment of $15 for each $500 transfer when ODLOC is in use. Monthly repayment terms may vary. All loans are subject to credit approval.
3 Deposits being secured must be held at VFCU.

Explore our Rates

(As of 10/30/2025)

Personal Loan Rates
Type Term Annual Percentage Rate
Personal Loan (0-12 Months) - 7.50%
Personal Loan (13-36 Months) - 9.50%
Personal Loan (37-60 Month) - 10.75%
Credit Builder Loan - 6.00%
Overdraft Line Of Credit - 15.50%
Signature Line of Credit - 16.50%
Share/Certificate Secured (Variable Rate) - 2.00% Over Deposit Account Dividend

Still Have Questions?

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