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Special Loans

Personal Loans for Life's Next Step

Get the flexibility to cover expenses, make a purchase, or work toward stronger credit. Explore personal loan options designed to help you move forward. 

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Personal Loan
Cover unexpected expenses, planned purchases, or other costs with a personal loan and predictable monthly payments. 
 

Best Rate 11.50% APR*

 
Credit Builder
 
Build or rebuild your credit with consistent, on-time payments.
  
 

Contact our loan team for current rate details. 

 

 
Overdraft Protection
A line of credit that can help cover eligible transactions when your account balance falls short. 
 

Best Rate 14.75% APR*

 
Personal Loan

Flexible Funds for Life's Expenses

A personal loan can help cover unexpected expenses, planned purchases, or other costs along the way. With fixed rates and predictable payments, you can borrow with confidence and choose a repayment option that works for your budget. 

  • Fixed rates and fixed terms
  • No collateral required
  • Predictable monthly payments

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Credit Builder Loan

Build Credit With Consistent Payments

 A credit builder loan can help you establish or rebuild your credit history through consistent, on-time payments. It is a practical way to work toward stronger credit while building positive payment habits. 

  • Designed for members building or rebuilding credit
  • Make consistent monthly payments
  • Build positive payment history
  • Secured by your savings account

 
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Overdraft Protection

Extra Flexibility When Your Balance Falls Short

Overdraft protection is a line of credit that may help cover eligible transactions when there is not enough money in your account. It can give you an added layer of flexibility for unexpected expenses. 

  • Helps cover eligible transactions
  • Access funds when your account balance falls short
  • Pay interest only on the amount you use
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Special Loan Calculators

Life brings all kinds of expenses, and planning ahead can make them easier to manage. Use these calculators to estimate payments for personal loans and holiday loans so you can choose an option that fits your budget.

Personal Loan Calculator

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I have been a member for three decades...I wanted a voice and good customer service and I got both at Elevate Credit Union... I've never once felt the need to move on from their excellent customer service, good rates, and easy-to-get loans. I couldn't be happier.
Steven H.Member Since 1987
I just LOVE Elevate Credit Union! Every time I go into the office they bend over backwards to help me with what I need.
KatieMember Since 2001
I love all the people at Elevate. They have always been super helpful and timely with anything we have ever needed. The loan officers are quick to answer any questions you have and try to get you prices that fit your budget on loans. The applications have always been easy for any type of financing.
TaylorMember Since 2018
I have been a member since 1996 and have been really happy to see the credit union grow. I have always been treated so kind, and all my questions were answered. I would (and have) not hesitated to get loans here at the Garland location.
JeanetteMember Since 1996
Elevate Credit Union is so good to work with. We have been with them for many years, and they have always treated us like family, and everyone bends over backwards to help. April has helped us with a couple of loans now over the years and is absolutely great! She is so helpful, answers quickly, and does all the work. Everyone there is amazing!!!
Author NameAuthor Job Title
Special Loan Rates
LOAN NAME APR* AS LOW AS
Personal 11.50%
Credit Builder Contact us for more information
Holiday 9.49%
*TERMS & CONDITIONS: APR=annual percentage rate | Membership required | Based on approved credit | Rates & terms may vary | Some restrictions may apply | Speak to a Loan Specialist for more information.
Overdraft Line of Credit
LOAN TYPE BENEFIT APR* AS LOW AS
Overdraft LOC Avoid denied debit card transactions and bounced checks 14.75%
*TERMS & CONDITIONS: APR=annual percentage rate | Membership required | Based on approved credit | Rates may vary | Some restrictions may apply | Speak to a Loan Specialist for more information.
Elevate Special Loans

FAQs

If you don't see your question here, text us at (435) 723.3437. We are happy to help!

How does Overdraft Protection Work? Overdraft Protection is a line of credit that's linked directly to your account. If you overdraw on your checking, it steps up to cover the costs—so that you don't have to pay hefty insufficient funds fees. From there, it works like a simple loan from Elevate. Pay it off right away to avoid interest, or as you can, for a low rate. To opt in to Overdraft Protection, contact us at any time.
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Ask Simon, our AI bot a question 24/7 by clicking the "Live Chat" button in the lower right corner, or speak with one of our Elevate Team anytime during our business hours by doing the same. Or, fill out this brief form and we will get back with you. We are here to help and answer your questions!


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