Personal Loans Designed to Help You Do More
A personal loan from Redstone gives you the freedom to move forward with confidence, no matter what you’re planning. Maybe you’re buying a car, consolidating debt, or just want a little extra breathing room in your budget – whatever your goals look like, Redstone makes borrowing simple and supportive. You’ll get great rates, flexible options, and guidance from people who are with you from start to finish. And because life doesn’t always go according to plan, Redstone also offers solutions that help you stay prepared, build credit, and protect what matters. With multiple loan choices and a team that’s ready to help, you can take your next step knowing you’re in good hands.
Stay Ready for Anything
A Redstone Personal Line of Credit gives you the kind of financial flexibility that helps you handle life’s ups and downs with confidence. It’s an open-end credit line you can tap into whenever you need it – whether you’re smoothing out cash flow, covering an unexpected expense, or using it as overdraft protection for your Redstone checking account. You can borrow only what you need and pay interest only on the amount you use, giving you real control over your budget.
Variable APR as low as [rfcu-var]%
Borrow up to $5000
Benefits and Features:
- Flexible access to funds – borrow only what you need, when you need it
- Pay interest only on what you use – borrowing costs in your control
- Built-in overdraft protection1 – an extra layer of security for your checking account
- Help cash flow in the event of unexpected expenses or short-term financial need
Life can be unpredictable. Optional Debt Protection helps safeguard your line of credit by canceling payments in the event of disability, involuntary unemployment, or death. It’s a smart way to protect your credit – and your peace of mind. You can add protection when you open your line of credit or anytime afterward.
1Pay no transfer fees for automatic transfers to your checking account. Daily interest will accrue on the loan balance.
Insurance products are offered through third-party insurance companies, are not Redstone Federal Credit Union® products, and are not NCUA or federally insured. These products are not obligations of RedstoneFederal Credit Union and are not endorsed or recommended by RFCU or any government agency. RFCU does not warrant, guarantee, or insure any service or product offered by any third-party insurance company. RFCU and third-party insurance companies are separate entities.
Unlock More Possibilities with Signature and Secured Loans
For the goals you’re chasing today and the dreams you’re planning for tomorrow, a personal loan from Redstone gives you the support and flexibility to move forward with confidence. You can choose a Signature Loan for a simple, no-collateral option – perfect for taking a long-awaited vacation, covering medical expenses, or consolidating debt, with borrowing amounts up to $50,000. Or, if you want an even better rate, a Secured Loan lets you use your Redstone Savings Account or Certificate as collateral while your money continues earning dividends. It’s a smart way to fund what you need without touching your savings. With multiple borrowing options and a team focused on helping you achieve your goals, Redstone makes it easier to take your next step with clarity and peace of mind.
Signature Loan
Best for members who want a simple, fast, and flexible way to borrow money without using collateral.
APR as low as % fixed
- No collateral required
- Competitive fixed rates for predictable payments
- Use funds for almost any purpose
Secured Loan1
For those who want a lower-rate option and are comfortable using their savings or certificate as collateral.
APR as low as [rfcu-var]% variable
Borrow up to 100% of primary savings account or certificate
Borrow up to $50,000
- Lower interest rates
- Collateral typically makes approval easier
- Keep savings intact and continue to earn dividends
Life can be unpredictable. Optional Debt Protection helps safeguard your line of credit by canceling payments in the event of disability, involuntary unemployment, or death. It’s a smart way to protect your credit – and your peace of mind. You can add protection when you open your line of credit or anytime afterward.
1Share and Certificate funds used to secure loans may not be available for use.
Insurance products are offered through third-party insurance companies, are not Redstone Federal Credit Union® products, and are not NCUA or federally insured. These products are not obligations of Redstone Federal Credit Union and are not endorsed or recommended by RFCU or any government agency. RFCU does not warrant, guarantee, or insure any service or product offered by any third-party insurance company. RFCU and third-party insurance companies are separate entities.
Affordable Short-Term Loans to Help You Bridge the Gap
When an unexpected expense pops up, it can disrupt even the most carefully planned budget – but a Redstone Short-Term Loan gives you a safe, affordable way to stay on track. Instead of turning to payday lenders with sky-high rates and fees, Redstone’s Stretch Loan and Payday Alternative Loans (PAL) offer a smarter path forward, helping you bridge the gap to your next paycheck while supporting your long-term financial health.
With lower fixed APRs, lower fees, and no penalty for paying off your loan early, these small-dollar loans are designed to give you breathing room without adding stress. Plus, they offer credit-building opportunities and come from a trusted institution that puts members first. It’s short-term support that helps you make confident, informed decisions for tomorrow.
Stretch Loan
Borrow up to $1,600
17% fixed APR1
18-month term2
- Minimum loan amount of $500
- $30 non-refundable application fee3
- Must be a member for at least one year
Payday Alternative Loans (PAL l)
Borrow up to $500
26% fixed APR1
6-month term2
- Minimum loan amount of $200
- $20 non-refundable application fee3
- Must be a member for at least six months
Payday Alternative Loans (PAL Il)
Borrow up to $1,200
26% fixed APR1
12-month term2
- Minimum loan amount of $501
- $20 non-refundable application fee3
- Must be a member for at least one year
Could you use FREE, confidential financial advice? We’ve partnered with BALANCE to offer our members counseling about getting out of debt, saving for milestones, and setting smart financial goals. To speak with a counselor, call 1-800-777-7526 or visit the BALANCE website. Monday–Thursday 5am–8pm, Friday 5am–5pm, Saturday 8am 5pm (Pacific Time)
1Payment Examples: Stretch Loan: The monthly payment for a $1,600 loan at an 17% fixed APR for 18 months would be $102.32 PAL I: The monthly payment for a $500 loan at a 26% fixed APR for six months would be $90.08 PAL II: The monthly payment for a $1200 loan at a 26% fixed APR for 12 months would be $115.01
Stretch Loans: Not more than three Stretch loans in any rolling six-month period. Must have no active Stretch Loan and no co-borrowers are permitted. Requires verification of residential address and verification of income, if not a direct deposit to RFCU. Subject to credit approval, a minimum of one-year membership required, must not have caused RFCU a loss, and all accounts have to be in good standing (e.g., not in the negative, including joint accounts and no delinquent loans), and other restrictions apply.
Payday Alternative Loan (PAL I): Not more than three PALs in any rolling six-month period to any one borrower and no co-borrowers are permitted. No more than one payday alternative loan at a time to a borrower. Must not roll over any PAL loan. Must have direct deposit greater than or equal to the contracted payment. Subject to credit approval, a minimum of six-months membership required. Other eligibility requirements and restrictions apply.
Payday Alternative Loan (PAL II): Not more than three PALs in any rolling six-month period to any one borrower and no co-borrowers are permitted. No more than one payday alternative loan at a time to a borrower. Must not roll over any PAL loan. Must have direct deposit greater than or equal to the contracted payment. Subject to credit approval, a minimum of one-year membership required. Other eligibility requirements and restrictions apply.
2Stretch Loan – 17.00% fixed APR. Requires established direct deposit equal to, or greater than the contracted payment amount.
3A $20 (PAL I and PAL II) or $30 (Stretch Loan) non-refundable application fee applies and must be collected at application, and may not be financed in the loan, taken from the loan proceeds, or paid by personal check drawn on another financial institution.
Loans to Build or Rebuild Credit One Step at a Time
Building credit can feel overwhelming at first, especially when you’re starting with little or no credit history – or trying to recover from past challenges. But you’re not stuck. With the right habits and the right support, you can steadily build, rebuild, or strengthen your credit over time. Every positive step you take helps shape a stronger financial future. Redstone makes that journey easier with credit-building loan options that require no minimum credit score and come with no prepayment penalties, giving you a safe, supportive way to move forward at your own pace.
Share Secured Visa®
Credit Card
Ideal for someone who wants an ongoing, everyday tool to build or rebuild credit through responsible use
- Borrow up to $5,000
- Variable Rate as low as % APR
- No Annual Fee
Credit Builder Loan
Best for someone who prefers a structured, savings-focused approach to build credit and savings over time
- Borrow up to $1,500
- Fixed Rate as low as 1.00% APR
- 12-24 month terms
Share Secured Visa® Credit Card1
A secured credit card works just like an unsecured card, but it’s guaranteed upfront by a cash deposit. For example, if you deposit $500, that’s your credit limit. Making on-time payments and keeping a low credit card balance helps your credit-building. This is a great option if you want immediate access to funds and can pledge savings upfront.
Credit Builder Loan2
With a credit builder loan, you'll gain access to the funds after the loan is paid off in full. This is the reverse of traditional personal loans, which disburse the money up front in a lump sum. Credit Builder Loans help you establish a payment history (which makes up 35% of your credit score). This is a great option is you don’t need immediate access to funds and want to earn dividends on their savings.
1Share Secured Visa: Requires a deposit into a designated Visa Secured Share Account equal to the credit limit on the Visa Credit Card. Co-borrowers are not permitted. Up to three authorized users may be named. See rates, fees, and other cost information.
2Credit Builder Loan: Minimum loan amounts may apply. Loan proceeds will be funded into the borrower's primary savings account and be held until the loan is paid in full. Payment example: $1,500 Credit Builder Loan financed for 24 month at 1.00% fixed APR = 23 payments of $66.05 and a final payment of $65.88
Visa is a registered trademark of Visa International Services Association.
Credit Score Education
Your credit score is used by lenders to decide if they’ll approve you for a credit card or loan and is an indicator of how likely you are to repay debt. Credit scores are generated using information from your credit report and proprietary scoring models. FICO is a credit score model used by most top lenders. If you are enrolled in online banking with Redstone, your FICO score3 is available for FREE. You can check it an unlimited number of times without it impacting your score.
Also, remember to review your credit report annually to ensure the information is accurate and correct any potential inaccuracies that may impact your credit score. You can get one free credit report each year at annualcreditreport.com.