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Due to COVID-19, there will be NO lobby access to our main office & satellite branches until further notice. Please use Shared Branching at Piedmont Advantage Credit Union with Drive-Thru, located on Boyer Street in Charlotte. Thank you for your understanding. Learn More
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Signature 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, BFCU has a variety of personal loans to fit your needs.


Our personal loans give you the option of secured and unsecured as well. Secured loans require some form of collateral in exchange for the loan. Unsecured loans only require your signature at application. All loan approvals, limits, and rate are based on each member’s credit worthiness.

Unsecured Personal Loans

Signature Loan

A signature loan can be used to consolidate debts, pay for medical expenses or any other personal use.

Signature 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 BFCU 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. 

Signature Lending
Unsecured Loans & Lines of Credit† APR* Max Term
Signature Loan 8.99% - 13.49% 84 months
Overdraft Line of Credit 8.99% - 13.49% Revolving††
Line of Credit 8.99% - 13.49% Revolving††
Effective Mar 16, 2020
†Rates based on individual credit and repayment method. Unsecured limits based on income.†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
††Maximum term and monthly payment based upon balance owed.

Holiday Loan

When the Christmas holiday season approaches, a BFCU 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 $2,500 determined by individual member credit.
  • Must have been on current job a minimum of two years
  • Loans available October 1 to January 31

Special Purpose Loans
Loan Purpose APR* Max Term
Holiday** 15.00% 10 months
Effective Jan 24, 2019
*APR = Annual Percentage Rate. Rates listed are as low as and based on repayment method.
**Loan limit based on individual credit. Loans available October 1 – January 31.

Secured Personal Loans

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.

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    Academic Scholarships
    BFCU 2021-22 Scholarships through Carolina's Credit Union Foundation are now open!
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    Lower Your Loan Rates
    Your credit union can lower your loan rates and save you money! Transfer your balances today!
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    Unbeatable Auto Loans
    Have a high interest RV/Auto loan? Score with BFCU and go for a 2% discount.
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  • Main Branch
    4301 Yancey Road
    Charlotte, NC 28217
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    P.O. Box 12400
    Charlotte, NC 28220
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Helping you, our member, achieve financial success!
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