Personal and Business Loan Products
All members of Neighborhood Trust can apply for a loan and take advantage of our affordable rates. Loan applicants are treated with respect and receive personal attention to their financial situation. When approving loans, we look at more than just your credit score--after all, we are here to help you achieve your financial goals.
Learn more about HOW TO APPLY FOR A LOAN and view our LOAN APPLICATIONS. Start changing your financial future today!
Personal Loans
If you need to pay for a family vacation, improve your home in your country, or pay for health care or unexpected expenses -- Apply now for a personal loan.
- from $500 up to $7,000
- term, up to 48 months
- rates from 8.75% to 15% (depending on personal characteristics of the loan application)
- application fee of $20
Business Loans/ Lines of Credit
Apply for our business loans or credit lines at competitive rates. Additionally we offer free technical assistance.
NTFCU will grant Micro-enterprise loans for: start-up capital, inventory, expansion-renovation, purchase of vehicles/equipment, working capital, and other necessities.
- loans up to $15,000 to start-up a business
- loans up to $50,000 for established businesses
- rates from 9.25% to 13.25% (depending on type of credit, new business or established business, and term of credit)
- application fee of $20 and origination fee of 1% for loans greater than $7,000
We offer FREE microenterprise technical assistance for business loan applicants.
Real Estate Loans/ Lines of Credit
We'd like to help you realize your dream of becoming a homeowner.
- mortgages, from 5.125% to 6.305%
- home equity loans, from 5.25% to 7.75%
- home equity lines, from 4.25% to 6.00%
- application fee varies depending on loan type
Auto Loans
Come to us if you are buying a new or used car.
- up to $15,000
- term--up to 60 months
- rates from 6.5% to 9.5% (depending on car age, repayment term and insurance)
- vehicles may be no older than 10 years
- application fee of $20
Credit Establishment Loans
If you are trying to "establish" or "repair" your credit, our Credit Establishment loan will help you. It is a secured loan, at a low rate (8%) and when you pay it back you will have improved your credit score. No application fee applies.
Graduates of our FREE PERSONAL FINANCE COURSE receive a 1% interest rate discount on Credit Establishment (Secured) Loans.
Debt Consolidation
We can pay directly to your creditors. It is a special loan with a better rate and term.
- up to $7,000
- application fee of $20
- application fee of $20 (guarantor)
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