Personal Loans to Fit Your Needs

Why have almost 25% of us taken advantage of personal loans in the past year? Well, lower personal loan rates that allow you to pay off the principal faster would be one excellent reason. Another good reason: A secured personal loan is very helpful when consolidating large debts. You could gain financial freedom in a few years by making fixed payments with a personal loan. Personal loans make it possible to finance a one-time large expense that you may need or want - like maybe that home improvement project you have been longing for. 


Are you wondering where to find the best place for personal loans near me? 

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Low Interest Personal Loans at City Credit Union

Low interest personal loans are found right here at City Credit Union in Independence MO. Our personal loan rates will make it possible for you to acquire appliances, furniture, computers, vacation funds, or take care of any expense life throws your way. When you get a secured personal loan from City Credit Union you will not be charged for an application fee and after experiencing our quick and convenient application process, you will discover that City Credit Unions offers the best personal loans in the Jackson County area. 


City Credit Union has personal loan options tailored to your individual wants and needs. 

Flex Loan - Line of Credit

A Flex loan is a personal loan type with an unsecured line of credit that offers flexible access to cash.


With a Flex Loan you can: 

  • Obtain a personal loan that allows you to borrow funds as needed from a reusable line of credit. 
  • Manage your personal loan with free My City Branch online access 
  • Make cash withdrawals or transfer funds from your personal loan to other CCU accounts. 


A Flex loan will give you quick access to money with a line of credit, offers flexibility, and the application process is easy for an instant personal loan product. 

Signature Loan

Signature loans are very helpful if you are looking for a way to consolidate debt, need a way to cover tuition costs, wish to fund a vacation, or as a way to handle unexpected expenses that come up. A Signature loan is a type of personal loan that is designed for short term use, is secured with your signature and does not require collateral. 


Signature Loans offer: 

  • Low interest rates with affordable payments
  • A personal loan type with flexible terms up to 48 months
  • Control to manage your personal loan with free My City Branch online access 


If you would rather not have a lean on your home or car, a signature loan from City Credit Union may be right for you. 

Shared Secured Loan

A Shared Secured Loan allows you to use your savings account to work for you as collateral. These are great personal loan types as they offer lower interest rates compared to other personal loan products because they are secured. 


Shared Secured Loans offer:

  • A personal loan type with exceptional rates using your savings account as collateral 
  • Manage your personal loan with free My City Branch online access
  • A way to borrow up to the amount in your deposit account for a 12-month term 


A Shared Secured loan is a great way to build your credit history. 

Certified Secured Loans 

You can also find the best personal loans by checking out Certified Secured Loans: 


  • A personal loan type with exceptional loan rates using your certificate of deposit as collateral 
  • A way to borrow up to terms ranging to 60 months, based on your CD maturity 
  • Manage your loan with free My City Branch online access.


Your funds are tied up in a Certificate of Deposit anyway; use those funds to acquire a Certified Secured Personal loan. 

Start Building Credit History with a Youth Loan 

Set your young adult up for financial success with a City Credit Union Youth Loan


Demonstrate how to correctly use credit and give them hands-on experience while paying off their first car or another small personal loan. After that, they can rent apartments easier, get low-interest personal loans on their own, and even qualify for future mortgages.


With rates and terms the same as regular loans, CCU offers personal loans to young adults’ ages 16-17 with a parent/guardian. 


Contact us to learn more about the Youth Services at City Credit Union. 

(816) 252-2415
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