Credit Union Personal Loans in the Atlanta Area
Found a loan that looks right for you? Let’s get started!
If you are looking for credit union personal loans in the Atlanta area, EXCEL Federal Credit Union can help. We understand that securing a personal loan can feel overwhelming, from navigating your credit history to understanding prepayment penalties and loan approvals. That is why we are here to help with personalized services.
EXCEL FCU’s online rate calculators are one of many tools we provide customers so they can view loan rates and terms for corresponding account types. This tool can help you understand payment examples and terms of each account type. We have account rates you can view for:
- Savings Rates
- Loan Rates
- Credit Card Rates
- Mortgage Rates
- Business Loan Rates
We also provide information on certificates, savings, checking, and money market account rates that include:
- Share Certificates / CDs
- Money Market Accounts
- Platinum Checking Accounts
- Savings Accounts
- Business Checking Accounts
- Club Accounts
- Save as You Pay Accounts
You can view more information about EXCEL account rates here: www.excelfcu.org/rates/
When applying for a credit union personal loan, you may also want to compare and contrast different options and sort through monthly payments, fees, and other costs associated with personal loan rates and loan applications. These loan rates can be affected by credit scores, credit history, and other factors.
At EXCEL, we provide our customers with free financial calculators so they can better understand payments, how these costs are calculated, and what they need to contribute. Whether you are looking to navigate debt consolidation, work through high-interest debt and get debt protection, or are curious about loan rates and payday loans, explore our personal loan calculator tool. In addition to personal loan tools, we have calculators available, including:
- Business Calculators
- Investment Calculators
- Mortgage Calculators
- Auto Loan Calculators
- Credit Card Calculators
- Personal Finance Calculators
- Retirement Planning Calculators
- Savings Calculators
- Tax Calculators
Explore these free and accessible resources here: Financial Calculators | Excel FCU
Why Get a Personal Loan?
So why take out a personal loan? There are many reasons individuals may explore this option that depend on personal and financial factors. Loans can differ depending on credit history, credit score, payment history, and other personal financial factors.
Some popular reasons people take out credit union personal loans include:
- Moving / Home Costs: If you’re gearing up for a home remodel or a big move, a personal loan can help ease extra costs during this transition.
- Vehicles: Personal loans can be instrumental in covering costs for vehicles like cars, boats, and RVs.
- Emergencies: Emergencies strike at random, and sometimes you do not have the funds to cover a repair or accident. Some people use personal loans to fix cars, home appliances, or medical emergencies.
- Large Purchases: If you are gearing up to make a large purchase, like a new heating system or washer, personal loans can help cover the upfront cost
How Can I Use a Personal Loan?
Personal loans can be used however the loaner wants them to be, depending on your financial situation. There are some restrictions on personal loans to make them a viable option for loaners that wish to pay off debt or achieve other personal financial goals. Loans can also vary depending on credit score or lines of credit that have been opened.
Some of the common ways loaners use their funds include:
- Vehicle Costs
- Funeral Costs
- Legal Fees
- Dental Work
- Home Projects
- And more!
At EXCEL, we believe in giving lenders loan options with competitive rates for monthly payments so you don’t have to overpay. Our loans team is here to give you free advice on navigating personal loan rates as an online lender and discussing flexible terms so we can find what works best for you.
Why Choose EXCEL FCU?
EXCEL began in April 1952, when we received our charter under the name of Atlanta GSA Federal Credit Union. We were founded to serve federal government employees of the General Service Administration. Since our founding, we have made over 400 additions to our original charter through mergers and new SEGs/Preferred Partners.
In 1996, after we moved from downtown to our new headquarters in Peachtree Corners, we became EXCEL Federal Credit Union. Our new company name was meant to embody our mission to be exceptionally proficient in everything we do.
Our team is outstanding at anticipating, understanding, and meeting the needs of our members. Because of our company size, we can pivot quickly to adjust rates, terms, or introduce new services based on the market. Whether you need assistance with debt consolidation, opening a savings account, working with unsecured loans or your credit score, or any other financial process, we are here to help. Get started with our credit union personal loans process today.
Personal loans can vary vastly in amount. Most banks or online lenders allow loanees to take out between $1,000-$50,000, though this can vary depending on your finances.
Credit unions can be great resources for those looking to take out a loan. Many credit unions offer competitively low fees, high savings rates, and a personalized approach to customer service. At EXCEL, we follow a customer-first approach to ensure you have the best information possible when making financial decisions.
A credit union personal loan is a loan issued to cover more personal expenses such as a new vehicle, medical bills, or home improvement projects. Personal loans can vary widely in amount and give loaners the freedom to use the funds for personal reasons.
YOU DREAM IT, WE’LL FINANCE IT.
EXCEL has loan options with competitive rates to help you enjoy the life you want without overpaying. Plus, our experienced loans team will help you find the option that works best for you – and your budget. Free advice does exist!
Whether you are looking to use your loan for a new or used vehicle, boat, debt consolidation or family vacation, EXCEL makes getting personal loans in Atlanta, GA a breeze with our online application. Call your local branch for personalized service or get started right away with our easy to use online application.
Found a loan that looks right for you? Let’s get started!