Couple looking at computer | Vibrant Credit Union

Get the money you need now

Whether you're making a big purchase or facing unexpected expenses, our personal loans offer flexibility and convenience.

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 extra cash now, 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.   
  • Flexibility. Whether you're looking for a specific monthly payment or the shortest term, we'll help you set a term that meets your needs, with no penalties for early repayment.  


What to expect


Quick & easy application

Complete the online application on your own or get started with a banker today. 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 60 months. $5 Membership required for all consumer loans.