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Popular ways to use a Personal Loan
One of the best perks of a Personal Loan? The versatility. Here are a few of the common ways members use these flexible funds.
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Learn more about Personal Loans
How To Consolidate Credit Card Debt With a Personal Loan
Revolving credit card debt is costly. Learn how a Connexus Personal Loan can help you save big on interest costs and pay down debt faster.
5 Smart Uses for a Personal Loan
Did you know that personal loans are one of the most flexible, affordable options for borrowing funds? They offer lower interest rates than credit cards, and they can cover nearly every expense. This post will look at five scenarios where a Connexus Personal Loan makes sense.
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Disclosures
APR=Annual Percentage Rate
See our Fee Schedule for a list of fees you may encounter.
* Calculated based on the difference between the amount paid in interest between Connexus Credit Union’s rate at 9.490% APR compared to 10.971% APR for the National market average over the life of a $15,000 unsecured loan over 36 months. Accurate as of: 05/06/2026. Source: Datatrac
- APR effective as of 05/06/2026 and subject to change. Rates include a 1% discount when registered for Digital Banking and subscribed to eStatements, and a 1% discount for auto-paying electronically. Minimum loan amount is $1,000. Maximum loan amount is $50,000. Individual rates and terms may vary based on credit worthiness, loan terms, and application information and include all eligible discounts. Certain restrictions may apply. Loans may not be used for tuition expenses and interest may not be tax deductible. Be sure to contact a tax advisor on the deductibility of interest and charges. Loans currently financed with Connexus Credit Union are not eligible.
- Rates include a 1% discount when registered for Digital Banking and subscribed to eStatements, and a 1% discount for auto-paying electronically. Loan amount minimum is $1,000; loan amount maximum is $50,000. Payment of $149.16 is based on a loan amount of $5,000 and a 36-month term.
- Rate is fixed and is based on 4% over the current savings account APY (Annual Percentage Yield). No minimum loan amount; maximum loan amount of $100,000. Payment of $217.17 is based on $5,000 borrowed for 24 months. Balance must be in a Share Certificate (Regular, Jumbo, or Bump-Up) to be eligible for the Share Secured Loan.
- Rate is fixed and is based on 4% over the current savings account APY (Annual Percentage Yield). No minimum loan amount; maximum loan amount of $100,000. Payment of $217.17 is based on $5,000 borrowed for 24 months. Balance must be in a Simply Free Savings or Share Certificate (Regular, Jumbo, or Bump-Up) to be eligible for the Savings Secured Loan.
- The national average credit card rate was 25.30% APR on March 30, 2026, according to Forbes Advisor.
- To receive the additional discount of 0.25%, enter the promotional code PERSONAL25 at the time of application from April 27 – June 28, 2026. Rates effective as of 04/27/2026 and subject to change. Discounted rates include a 1% discount when registered for Digital Banking and subscribed to eStatements, and a 1% discount for auto-paying electronically. Offer valid on new Unsecured Personal Loans with a minimum loan amount of $10,000 and a term of at least 24 months. Maximum loan amount is $50,000. Personal Loans currently financed with Connexus Credit Union are not eligible. Individual rates and terms may vary based on credit worthiness, loan terms, and application information and include all eligible discounts. Certain restrictions may apply. Loans may not be used for tuition expenses and interest may not be tax deductible. Be sure to contact a tax advisor on the deductibility of interest and charges. Offer is not available on Lines of Credit or Secured Personal Loans and cannot be combined with any other offers or discounts. Offer subject to change or termination.