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Loan Products

Vehicle Loans

New and used vehicle loans are available to qualified members at competitive rates and terms. Loans are available for automobiles, trucks, vans, RVs, motorcycles, campers, boats and more.

You can now determine your approximate monthly payment with our online payment calculator.


Lifestyle Loans

An Impact Lifestyle Loan is a personal loan for just about anything that enhances YOUR lifestyle.

Maybe you’ve had unexpected medical expenses that exceed your health insurance; maybe you’d like to adopt a child; or maybe you’d even like to add a pool or outdoor kitchen to your yard. From straighter, whiter teeth to the wedding of your dreams, Impact CU has a financing plan to fit your unique lifestyle and help you make the most of your money.

  • Vacations
  • Holiday Expenses
  • Property Taxes
  • Education
  • Home Improvements
  • Band Instruments
  • Jewelry
  • Dream Weddings
  • Honeymoons
  • Dentistry/Orthodontics
  • Cosmetic Surgery
  • Fertility Treatments
  • Auto Repairs
  • Adoption Services
  • Vision Care (LASIK)
  • Electrolysis
  • Hair Restoration
  • Veterinary Care
  • Landscaping
  • Funerals
  • Pools/Spas
  • Golf Carts
  • Tornado Shelters
  • Heating/Air
  • Investments
  • Debt Consolidation
  • Moving Expenses

NOTICE: By completing an online application with Name, Address, Social Security Number, and Birthdate, you are giving Impact Credit Union permission to pull and review your credit report.


Share Secured Loans

Looking to borrow funds at low, low rates, or have a need to “re-establish” your credit? Impact Credit Union can help with a Share Secured Loan. These loans are secured by your deposits at the credit union.


Unsecured Loans

Impact Credit Union has two types of loans to serve your unsecured borrowing needs.

Our PSL (or Personal Service Loan) is available as an unsecured credit line that you can draw upon at your convenience, whenever you may need it. This loan can also be used as overdraft protection for your credit union Checking Account.

The credit union also offers a traditional Unsecured Loan, when you want to borrow for a specific purpose or term.


Education Loans

Our Education Loans are designed to supplement your other sources of education funding for college, such as savings, scholarships, grants, or other traditional student loan programs.

These loans can be used to help pay for your tuition, fees, books, and campus housing.

You may also apply at any Impact office or by calling (800) 848-8255.


Overdraft Protection

Overdraft Protection Line of Credit (PSL)

When your checking account balance is too low to cover an outstanding check, an Overdraft Protection Line of Credit (PSL) will pay the check so it doesn't bounce. The advances are made as needed as long as your credit line is available. You will be sent a monthly statement to repay back the overdraft protection.

To save money and keep your peace of mind, apply for Overdraft Protection Line of Credit (PSL) Today!

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