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Personal Loans

Personal loans for real life

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Personal Loans Made Simple

Whether you're covering an unexpected expense, consolidating debt, building credit, or funding a major purchase, Community Focus offers personal loan solutions designed to fit your needs.

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Fast Cash Loan

Need money fast? Eligible members can apply through Online Banking or the Mobile App and receive funds quickly.

  • Borrow $250-$2,0001
  • Instant funding in Online Banking and Mobile App
  • 24/7 access 
  • No credit check

Login to Online Banking or Mobile App to Apply

What Can a Personal Loan Help With?

Debt Consolidation

Auto Repairs

Home Improvements

Education Expenses

Travel and Special Events

Unexpected Expenses

Explore Other Personal Loan Options

Signature Loan

  • No collateral needed
  • Borrow up to $30,000
  • Competitive, fixed, low rates
  • Flexible repayment terms
  • No monthly or annual fees

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Credit Builder Loan

  • No credit needed
  • Secured by funds in your savings account
  • Low fixed rates
  • Build or strengthen credit
  • Flexible repayment terms

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See What Fits Your Budget

See what your monthly payment could look like before you borrow.

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FAQs

A signature loan is a traditional unsecured loan based on your credit report and offers a higher max loan amount, longer term options and lower rates for qualified borrower. 

The Fast Cash loan is a quick, small-dollar loan designed for immediate needs and is based on your relationship history at Community Focus instead of your credit report. 

No—approval is based on your credit and signature alone, so you don’t need to put up your car, home, or savings.

Yes, you can pay off your loan early at any time and there is no prepayment penalty.

You can borrow anywhere from $100 up to $20,000, depending on your eligibility.

Signature Loans come with competitive, fixed low rates, so your monthly payment will never change during the life of the loan.

Almost anything! Cover unexpected expenses, debt consolidation, medical bills, vacations, or special purchases—the choice is yours.

You can apply online, by phone, or at your local CFFCU branch. The process is quick and member-friendly.

Once approved, funds are usually deposited directly into your CFFCU account quickly, so you can access them right away.

Let's Find the Right Loan for You

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1All loan applications are subject to review of eligibility and approval. The APR for the Fast Cash loan is a fixed rate for the duration of the loan. The APR will be 27.50% APR. For example, a Fast Cash loan for $1,000 with a 12-month term at 27.50% APR will have a monthly payment of $96.28. Other terms, payments, and loan amounts are available. Loans are available to members who meet certain eligibility requirements, who have been with the credit union a minimum of 180 days, have direct deposit to a CFFCU savings or a checking account and are considered a member in good standing. Not available at the branch. No minimum credit score required.