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  • Loan minimum $5,000
  • Loan maximum $50,000
  • Fixed rates and terms between five to 15 years
  • Loan to value ratio 90 percent
  • $25 application fee
  • Closing costs $300


Conveniently apply online! Please be prepared to provide proof of income (i.e. your last two pay stubs, most recent W-2 or a statement from your financial institution showing two or more regular direct deposits). Proof of income can be emailed to NIU employees (only) are welcome to fill out the NIU's income verification form.

Loan processing takes approximately 24-48 hours to respond to a request. We make every effort to determine how we can help your financial well-being. In the instance we are not able to offer the loan requested, we will sometimes counteroffer a product or service we feel would help you.

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