A loan for your life.
SIGNATURE LOANS
A signature loan can be used as a solution to whatever financial situation you find yourself in.
A signature loan with IRFCU is an unsecured loan option with great rates and flexible terms.
MAKE A MAJOR PURCHASE
An IRFCU Signature Loan is a great option for big purchases like getting hitched, taking that dream vacation, or sprucing up your home!
COVER AN EMERGENCY
If you’re in need of quick cash, a signature loan can be useful in case of an emergency! Here for when you’re in need.
CONSOLIDATE YOUR DEBT
Simplify your finances by consolidating debt. If you have multiple payments and balances, consolidate with a signature loan.
NO COLLATERAL REQUIRED
A signature loan with IRFCU is a low-rate collateral-free option. No early payoff-fees. Find out if a Signature Loan can work for you!
What to Bring When Applying for a Loan at IRFCU
Having all your documents ready before applying for a loan with IRFCU helps make the process smoother and more efficient. It allows our team to begin reviewing your application right away and reduces the need for follow-ups or delays. Being prepared helps us serve you faster and keeps things moving toward your financial goals.
Identification:
- Valid government-issued photo ID
- Social Security Number
Proof of Income:
- Last 2–4 consecutive pay stubs
- If self-employed: Most recent 2 years of tax returns
- Award letters for any supplemental income (Social Security, pension, etc.)
Other Helpful Documents (if applicable):
- Bank statements (if using assets as part of your application)
- Debt documentation if consolidating loans
If You’re Applying with a Co-Applicant
Each co-applicant must bring
- Their own valid ID and SSN
- Proof of income (same requirements)
- Any applicable documentation based on loan type
Share-Secured Loan
Enjoy more favorable rates and terms when you secure your loan with collateral such as your Savings Account or Share Certificates. While you receive a special interest rate on the loan, your Share/Savings Account continues to earn dividends.
Fast Approval
Applications subject to approval. Different APRs may apply for different terms and amounts and based on credit qualifications. Offer may change or cease without prior notice. Must meet credit union lending guidelines and membership eligibility to qualify. Contact us for details. Equal Opportunity Lender.
- APR=Annual Percentage Rate.
- A $5,000 5-year term loan at 5.00 APR would have an estimated monthly loan payment of $94.00. Terms and conditions apply. Applications subject to credit approval. Contact us for details.