Personal Loan Options

  • Signature and share secured loans
  • Kwik Cash line of credit
  • Loyalty Loan
    • Must be a Prospera member with a checking account for one year or more
    • Pick your loan amount: $500 – $1,500
    • All credit is approved*
    • 12 month term
    • As low as 15.90% Standard Rate (with direct deposit and autopay) 19.16%-25.90% APR+
    • Limit one per household

Personal Loan Features

  • Local approval
  • No prepayment penalty
  • Competitive rates
  • Personalized service
  • Flexible, customized terms
  • Free 24 hour online account access
  • Free 24 hour telephone access
  • Payment protection

Prospera® has personal loans for all of life’s little surprises. We’re here when you need it most.

Click here to apply for a loan.


*Credit reports will be run for verification and status update purposes only. Members must be in good standing with the credit union (current on any outstanding loan, checking account is not currently negative) and have no delinquent or charged-off accounts. Approval is not based on creditworthiness or credit score. Must be 18 years or older to qualify. Sample monthly payment on a $1,500 loan at 19.16% APR for 12 months would be $140.04. Payment calculation is based on principal, interest and loan protection coverage.
+APR = Annual Percentage Rate. 19.16% APR includes $25 processing fee. Federally insured by NCUA.


Prospera Credit Union is here to give you personal, tailored guidance to prosperity.