Unsecured Loans and Lines of Credit

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Whenever you need extra money for a specific purchase, consider Credit Union ONE's unsecured financing options. You don't have to post any collateral. You're approved based on your credit score. Our options help you get the money you need to help with any type of expense.

Available as a lump sum or a revolving credit line
Borrow up to $35,000
Simple application and quick approval

Browse our Unsecured Loans and Lines of Credit:

Freedom ONE

When you're facing a large project or expense and need to borrow money, consider our Freedom One personal loan.

Terms up to 72 months¹
Borrow between $500 and $35,000
Receive funds as a lump sum deposited into your Savings or Checking account for easy access

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Freedom Access

If you have a large expense or project in the works but aren't sure how much money you need, or want to build a safety net in case you overdraw your Credit Union ONE Checking account, our Freedom Access personal line of credit can be the answer.

Borrow between $500 and $10,000²
Transfer funds through Online Banking to your Credit Union ONE account for quick, anytime access
Pay interest only on the money you use

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EZ Access^‡

Qualification for Credit Union ONE's EZ Access loan is based on your employment at one of our partner hospitals, and you'll get access to a $1,000 loan that can be renewed every year without cumbersome paperwork

$1,000 loan limit*
Open-ended, 12-month loan³
Can be reused for future $1,000 advances, once paid off
Access funds every year without needing to reapply

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*APR=Annual Percentage Rate

Credit limit offered will be $1,000 on all approved loans. After $1,000 initial draw, subsequent draws must be made for the full amount of the available credit limit. Outstanding balance must be $100 or less for subsequent draws. Member must have a minimum automatic monthly payroll direct deposit of $500. Subject to approval based on overall creditworthiness factors. Other conditions may apply. Rate subject to change.

¹APR=Annual Percentage Rate. Actual rate offered is based on credit worthiness factors. Approximate monthly payment would be $32.03 per $1000 borrowed at 8.99% for 36 months. Other conditions may apply. Rates subject to change.
² APR=Annual Percentage Rate. Variable rate subject to change monthly based on the prime rate as published in the Wall Street Journal plus a margin. Actual rate offered is based on overall creditworthiness factors. Interest begins to accrue when you access the funds. Floor APR is 6% and the maximum APR is 18%. Other conditions may apply. Rates subject to change.
³ Available to employees of or those employed at hospitals, facilities, and affiliates of the Detroit Medical Center, Beaumont Health, St. Joseph Mercy Health System, Spectrum Health and Munson Healthcare.Subject to eligibility verification

Get the process started today.

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