Couple looking at computer | Vibrant Credit Union

Get the money you need now

For big expenses of $3,000 or more, our personal loans offer flexibility and convenience—with up to 36 months to pay.

Why choose a personal loan from Vibrant?

wedding party celebrating

Life doesn’t always go as planned. When you find yourself in a situation where you need to borrow $3,000 or more, our personal loan offers:  

  • Versatility. Use it for virtually anything from auto repairs and home improvements to a dream wedding or vacation.  
  • Competitive rates. Interest rates on unsecured loans can sometimes run as high as 30%, but ours are in line with overall market trends.  
  • No origination fee.   


What to expect


Quick & easy application

Complete the online application on your own or stop by one of our branches. It takes just minutes! 



Decisions made by real people

You’re more than a credit score or a ratio. We review every application individually and work with you to find the best solution. 


Instant access to cash

Once you’re approved, you’ll have the money in your account within minutes.


Easy repayment

There’s no penalty for early repayment. And, if money is temporarily tight, your loan is eligible for Skip-a-Pay up to twice a year.  

*APR= “Annual Percentage Rate.” Actual rate to be determined by credit score. Payment terms up to 36 months. $5 Membership required for all consumer loans.