Personal Loans & Lines of Credit
Life doesn’t always follow a plan so neither will your borrowing needs. When you require money for life’s other expenses, Blue Flame has a variety of personal loans to fit your needs. All loan approvals, limits, and rate are based on each member’s credit worthiness.
Unsecured Personal Loans
Personal Loan
A personal loan can be used to consolidate debts, pay for medical expenses or any other personal use.
Personal Line of Credit
A Line of Credit Loan is an easy way to have a plan in place for unexpected expenses like vehicle repairs or medical emergencies. Get approved now so the money is there when you need it. Once approved, members may request their own advances through online banking in Virtual Branch, our 24-Hour Telephone Teller system or by contacting any Blue Flame member service representative.
- Rate is based upon individual credit ratings.
- Payments are based upon the loan balance.
Overdraft Protection Loan
Get peace of mind for your checking account with Overdraft Protection and avoid overdraft fees and embarrassing situations.
| Account | as low as APR* | Max Term** |
|---|---|---|
| Personal Loan | 9.99% | Based on Balance |
| Overdraft Line of Credit | 8.99% | Based on Balance |
| Line of Credit | 8.99% | Based on Balance |
*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit. **Maximum term and monthly payment based upon balance owed. Minimum loan amount $500.
Special Purpose Loans
Holiday Loan
When the Christmas holiday season approaches, a Blue Flame Holiday Loan can help cover the extra costs of buying gifts for friends and family or paying for holiday travel expenses.
- Maximum loan amount is $5,000 determined by individual member credit.
- Must have been on current job a minimum of two years
- Loans available October 1 to January 31
Vacation Loan
Whether you’re headed to the beach or to the mountains, the we can help ensure it’s a trip to remember with a Blue Flame Vacation Loan.
- Maximum loan amount is $5,000 determined by individual member credit.
- Must have been on current job a minimum of two years
- Loans available May 1 to August 31
Disaster Recovery Loan
If the unexpected happens, know that your credit union is here to help.
- Maximum loan amount is $5,000 and subject to disaster evaluation
- Must have been on current job a minimum of two years
| Loan Purpose | as low as APR* | Max Amt | Max Term |
|---|---|---|---|
| Holiday† | 5.49% | $5,000 | 12 months |
| Vacation† | 5.49% | $5,000 | 12 months |
| Disaster Recovery† | 3.99% | $5,000 | 12 months |
*APR = Annual Percentage Rate. †Loan amount based on individual credit. Holiday loans available October 1 – January 31. Vacation loans available May 1 – August 31. Minimum loan amount $500.
Looking for the best possible rate? Consider one of our Secured Personal Loans, which offer lower rates when your own funds are used as security for the loan.
