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Personal Loans & Lines of Credit

Personal loans with low annual percentage rates. Borrowers as young as 14 (with parental consent). No collateral needed.

That's as flexible as you get. Check our latest rates.

Log in to your VisionLine account to apply for a Personal Loan now.

Apply for a Readi-Reserve Line of Credit at one of our branches or over the phone at 800-242-2120 option 1, option 1, option 1.

Personal Loans

We offer personal Signature Loans for borrowers age 18 and older. Borrowers may borrow $1,000 - $30,000 depending on their income and creditworthiness. A signature is required.

Readi-Reserve Line of Credit

Cash in a hurry. No paperwork delays. No hassle. Apply once and keep your limit ready for those emergency needs.

You can apply for an unsecured line of credit of any amount up to $20,000, then use it when you need it.

Check going to bounce? Your line of credit will advance cash - in $100 increments - to cover the gap. Need some cash? Use an ATM to draw on your line of credit.

Or you can:

  • Stop By Any Credit Union Office - to request an advance from a Service & Sales Representative.
  • Give Us A Call - through a Telephone Teller by calling 800.242.2120 or call P.A.T. (Phone Access Teller) at 800.843.2892.
  • Mail Us Your Request:
    Visions Federal Credit Union
    24 McKinley Avenue
    Endicott, New York 13760-5491

Readi-Reserve Rates

Relationship Builder

If you're a member in good standing and maintain the following relationship, you can qualify for our special relationship-builder rate:

  • Elect automatic payment on the new loan