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It's a New Year and a chance for a fresh start.

Getting your finances back on track? We can help you get started.

Did you spend beyond your means last year? Sometimes it can’t be helped. Thankfully it is possible to overcome any “damage” you’ve done to your financial situation.

Take that first step by combining your debts in to one single, lower-interest payment.

  • Rate as low as 5.99% APR*

  • Borrow between $500 and $25,000

  • Various terms available - up to 60 months

  • No processing or service fees

  • No prepayment penalty


What are you waiting for? Start 2021 with a clean slate!

Apply Now for a Personal Loan



*APR = Annual Percentage Rate.5.99% APR is for a 12-month repayment and includes Smart Money Rewards Program discount; standard rate is 6.24% APR. Payment example for a loan with 6.24% APR Smart Money Rewards rate is 12 monthly payments of $86.17 per $1,000 borrowed. Loan periods of up to 60 months are available; different payments terms have different interest rates. Please see our current loan rates web page for details on other terms. Rates may vary based credit worthiness and are subject to change without notice. Maximum of $25,000 combined in all personal unsecured loans. Offer is valid for loans booked on or after January 21, 2021. This offer is valid for new loans and refinanced loans not held at MIT FCU. Existing MIT FCU loans are not eligible for refinance at this special rate.

The Smart Money Rewards rate on loans reflects a 0.25% discount on published loan rates and requires Smart Money Rewards membership with the automatic payment method of repayment. If you discontinue Smart Money Rewards during the term of the loan, your discounted rate will no longer be valid, and it will revert to the prevailing rate at the time of the loan open date. To qualify for Smart Money Rewards, we must receive your net pay, pension, or Social Security via direct deposit in excess of $100. If at any time your Checking Account is closed or becomes inactive (zero transaction[s] within the past 90 days or direct deposit is cancelled), the rate will be increased by 0.25%. Direct deposit must be set up within 90 days of loan closing date. One or more direct deposits must post and clear to the checking account within each monthly statement cycle.

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