Loans
Affordable loans designed for real life
Loans for your every day needs
When you’re ready to move forward—whether it’s building credit or securing a personal loan —Urban Empowerment Federal Credit Union is here to help. We offer affordable loan options with competitive rates, flexible terms, and personalized guidance, so you can borrow with confidence and stay on track toward your financial goals.
Debt Consolidation
Combine & simplify payments
Build Credit
Establish or rebuild your credit
Life’s Big Moments
Engagements, weddings & more
Our loan options
Every financial journey is different. That’s why we offer loan options built around your goals. From everyday needs to major milestones, we’re here to help you find the right solution with guidance you can trust.
Secured Loans
Up to $10,000; no credit score required
- Use savings or other assets as collateral
- Typically offer lower interest rates
- Ideal for larger planned expenses
Personal Loans
Up to $10,000; minimum credit score 600
- No collateral required
- Based on credit history and income
- Suitable for everyday or unexpected expenses
Credit Builder
Up to $1,200; no credit check; 12-month term
- Builds credit with on-time payments
- Funds released at end of term
- Ideal for rebuilding or establishing credit history
Real stories. Real impact.
Trusted by members building stronger financial futures.
As someone who helps support family members with medical and personal needs,
having access to resources like personal loans allows me to assist them without placing
overwhelming strain on my own finances.
D. JAMES
A credit union that really cares about me.
JANE M.
A great way to grow my savings.
SARA L.
