Features
It's time for a fresh start! Consolidate your debt with a personal loan. Everyone reaches a point where they need some extra cash to achieve specific goals or you need a little help paying for the unexpected things in life. Whether you need to consolidate credit card debt, have additional expenses with large projects, or have a home renovation, our Personal Loan is ready for you. This loan features:
- Fixed payments to make budgeting easy
- No prepayment penalty
- Competitive fixed rate
- Low cost payment protection
Rates
| Miscellaneous Loans | ||
| Effective Date: Tuesday, May 30th, 2023 | ||
| Description | Loan Term \ Details | APR* as low as |
| Small RV's | Up to 60 Months | 7.25% |
| Large RV's | 60 Months | 7.25% |
| Large RV's | 61 to 84 Months Fixed | 7.74% |
| Large RV's | 85 to 120 Months Fixed | 8.00% |
| Large RV's | 121 to 180 Months Fixed | 9.00% |
| Motorcycles, ATV's, Jet Ski's | Up to 60 Months | 7.25% |
| New & Used Boat Loans | Up to 60 Months | 7.25% |
| Share-Secure Loan | Up to 12 Months | 3.050% |
| Share-Secure Loan | Up to 36 Months | 4.050% |
| Signature Loan | Up to 60 Months | 9.75% |
| Signature Loan - $10,000 Minimum | Up to 72 Months | 9.75% |
| Platinum VISA Credit Card | 9.90% | |
| *APR=Annual Percentage Rate. Rates listed represent our best rates. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply. Signature Loans cannot be used to pay off loans currently held at Jolt Credit Union. To view Payment Examples please select the hyperlinks on each loan rate. | ||
Skip a Payment
WE HELP YOU MANAGE THE UNEXPECTED
When you have an expense you didn't plan for, Jolt’s Skip a Payment* program lets you skip your monthly payment for a $35 processing fee on a qualifying Jolt loan. Interest will continue to accrue on your loan.
ONLINE BANKING USERS
Skip your payment now by logging into your Online Banking account and click on Services and select Skip a Payment.
I DON'T WANT TO USE ONLINE BANKING
Call the credit union at 800.798.2328 or stop by any location.
*Finance charges continue to accrue during the skipped period. Loans must be current to qualify. Please note that Mortgages, Home Equity loans, Credit Cards and Lines of Credit are not eligible. A $35 processing fee will be assessed for each skipped loan. Each loan may only be postponed twice per 12 month period and 3 consecutive payments must be made in between requested skip a payments. A skipped payment may reduce any GAP insurance claim on insured vehicles. Please consult your GAP Policy for more information.
FAQs
A. Terms from 12-60 months are available.
A. No, a Signature loan will ensure a fixed payment each month.
A. The interest will vary based on your interest rate and amount of your loan.
A. No collateral is required for a signature loan.
