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An unsecured revolving loan that gives you the flexibility to access the funds at a moment’s notice (e.g. going on vacation, paying for home, or auto repairs). Once you establish this line of credit, there is no need to apply for a loan again. Transfer the funds online (or the app) and use Bill Pay to pay a bill, stop into the office, and get cash or a check.

  • $5,000 maximum credit limit
  • $25 annual fee assessed February 1 of each year
  • $50 monthly payment due

Application

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 loans@mynifcu.com. 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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