Consumer Loans We work hard to make your credit union the best place to borrow, no matter what your needs are.       View Loan Calculators

Signature Loans
Based on factors such as your income, current debts and credit history, you could qualify for loans secured only by your signature. Our Signature loans are granted for almost any purpose.

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Overdraft Protection Line of Credit
Overdraft Protection Line of Credit is an open-ended line of credit used in conjunction with a Lafayette Federal checking account. This protection is activated when you overdraw your account. That means no more bounced checks!

There's no charge to open an Overdraft Protection Line of Credit account. Finance charges accrue only when the account is activated. You must have a Share Access checking account and qualify for a minimum line of credit. Maximum line of credit is $30,000.

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Share Secured Loans
Get the cash you need without depleting your savings. Borrow up to the balance in your Prime Share or Preferred Savings account at a low interest rate tied to your dividend rate. Your shares will be used to secure the loan. Choose a repayment term of up to 7 years.

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Share Certificate Loans
Similar to a Share Secured loan, you can borrow up to the balance in your Variable Rate Certificate. The term of the loan cannot exceed the maturity date of your Variable Rate Certificate.

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Credit Builder Loans
The secret to healthy credit is timely payments. Now you can build your credit and pay yourself in the process. We call it the Credit Builder Loan.

Once your application is approved‚ we’ll deposit up to $5‚000 into your share account and pledge it against the loan. That means every payment you make is really being made to yourself. When you’re done repaying the loan‚ you’ll have up to $5‚000 to spend any way you like. And your credit score will have grown too.

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Need More Information?
Send any questions or comments to consumerloans@lfcu.org.