MSU Federal Credit Union

Personal Loans

From weddings to new computers and unexpected expenses, MSUFCU has personal loans to helps you pay for just about anything! Skip the fees, fixed rates, design your loan terms around your needs, and save money in the process.

Ready to apply?
Applications can be reviewed in as little as 20 minutes when applying by:

• Phone
• Chat with Fran
• Visiting one of our branch locations

Alternatively, you may also apply online by logging into your account via ComputerLine and selecting "Apply for a Loan". We review these applications in the order they are received, typically within 1-2 business days.

Skip the
Fees

Flexible
Loan Terms

Get Started in Minutes,
Get Your Funds Fast

Signature Loan

From weddings to new computers and unexpected expenses, MSUFCU Signature Loan helps you pay for just about anything and offers a great, low rate.

Relocation Loan

Our Relocation Loan is available to help make your move less stressful. Hire movers, purchase a new wardrobe, put a down payment on an apartment, or anything else you may need.

Instant Cash Line-of-Credit

Bounce-proof your checking account with your Instant Cash Line-of-Credit. If your checking account balance falls negative, funds will be advanced from your line of credit (in $100 increments).

Debt Consolidation Loan

Reduce your stress and pay off your high-rate loans from other institutions with MSUFCU Debt Consolidation Loan.

Flex Loan

MSUFCU Flex Loan is a short-term alternative to a payday loan that can provide the funds you need. Set up automatic payments from your checking account to ensure timely payments to your Flex Loan.

Vacation Loan

Cover unexpected expenses this season with our Vacation Loan from MSUFCU. Featuring a great low rate, it can help you cover anything from tax refund payments to home renovations and more.

Are you a student?

Student Loans in partnership with Sallie Mae®

Whether you're an undergraduate or graduate student, get money for school through scholarships and student loans from MSUFCU in partnership with Sallie Mae^®.

Sallie Mae^® higher education loans are designed for the needs of undergraduate and graduate students.

• Competitive interest rates
• Multiple repayment options
• No origination fees; no prepayment penalty¹

MSUFCU Scholarship Search Powered by Sallie Mae^®

Register for free access to 3.5 million scholarships offering up to $18 billion in money for college. Learn more at Scholarship search

Learn More

Green & White Loan

A Green & White Loan from MSUFCU can help you pay for any MSU program like MSU Athletics season tickets, an MSU class ring, Alternative Spartan Breaks, or Study Abroad.

Spartans Without Borders Loan

MSUFCU's Spartans Without Borders Loan may be used to cover any or all of the costs associated with the program.

Specialty Student Loans

We offer specialty student loans to student enrolled at least half-time in the College of Veterinary Medicine, the College of Human Medicine and the College of Osteopathic Medicine at MSU.

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What are my Student Loan Options?

The Student Loan Options include:

• Smart Option Student Loan® for Undergraduate Students
• Graduate School Loan
• MBA Loan
• Medical School Loan
• Dental School Loan

View All FAQs

Borrow responsibly We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. MSUFCU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Smart Option Student Loan and graduate loan products: These loans are for students at participating degree- granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend a participating school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and provide an unexpired government-issued photo ID to verify their identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

<sup>1</Sup> Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note--first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.

© 2021 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

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