Apply Online & Save More
You deserve a loan experience that’s simple, flexible, and rewarding — and now you can save even more by going digital! Apply online for a Personal loan and receive ¹up to a 0.75% loan rate discount, making rates as low as 4.25% APR*.
Enjoy a borrowing experience designed for your life on the go. Our Online Loan Application lets you apply from anywhere, securely upload your documents, and receive your funds quickly — all from your phone. It’s fast, convenient, and built to help you save.
How to Save:
Apply online using our fast and convenient online loan application
Complete all required documents and E-Sign
Set up Direct Deposit of a minimum of $500 per month into your Garden Island FCU account
Enroll in Auto Pay so it’s out of sight, out of mind
Total Discounted Personal Loan Rates as of 02/01/2026
|
Loan Term |
Loan Amount |
Annual Percentage Rate (APR*) |
|---|---|---|
Up to 84 Months |
Up to $15,000.00 |
4.25% - 16.75% |
*APR = Annual Percentage Rate. Stated rate assumes excellent borrowers’ credit history and is for a 12-month term, longer terms available at a slightly higher rates. Total discounted loan rates of ¹0.75% cannot be combined with other offers and is available on personal loan amounts up to $15,000 and is only applicable on new loans and loans refinanced from another financial institution. Rates range from 5.00% - 17.50% APR as of 02/01/2026. Member must complete application online, sign through DocuSign, funds remitted directly to your Garden Island FCU account or directly to your creditors for debt consolidation, set up direct deposit with a minimum amount of $500/month, and enroll in auto pay from your direct deposit to receive the total discounted rate. Membership at Garden Island FCU is required prior to funding. All loan applications are subject to credit approval. Additional terms and restrictions may apply. Rates are subject to change without notice.