Personal Loans & Lines of Credit

Take any financial challenge that might come your way head on. With some of the most competitive rates in the Hartford, Tolland and Middlesex county areas and a level of personalized attention you won’t get anywhere else, 360FCU offers members a variety of personal lending solutions for just about anything. Apply for a consumer loan at your nearest 360FCU branch today.

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Anything Loan

Life happens and the Anything Loan from 360 Federal Credit Union is here to help you through just about anything. Whether you are ready to start a family, need money to pay for medical supplies or procedures, home renovations and so much more.

  • Borrow between $500 – $30,000
  • Low fixed rate loan with terms up to 5 years


What’s Your Anything?

  • Medical Expenses
  • Hearing Aids
  • Adoption Services
  • Cosmetic Surgery
  • Fertility Treatments
  • Heating/AC
  • Home Improvements
  • Newborn Costs
  • Vacations
  • Veterinary Care
  • Weddings
  • Or anything else!


Debt Consolidation Loan

Now it’s easier than ever to manage your finances and pay off multiple debts with a new loan and a single monthly payment. The Debt Consolidation Loan from 360 Federal Credit Union can help you take back your financial freedom with low fixed rates and terms up to 5 years. Depending on your credit profile, a debt consolidation loan could also help you improve your credit score.

  • Borrow between $500 – $30,000
  • Low fixed rate loan with terms up to five (5) years
  • Proceeds must be paid directly to another creditor


Term Line of Credit

No equity, no problem! Borrow what you need, when you need it!

  • Use us as you need it for the first 2 years and make interest only payments
  • Rates as low as 8.00% APR
  • 5 year repayment period after draw period ends
  • Minimum amount of $3,000 and max line amount of $30,000


Signature Line of Credit

Our Signature Line of Credit lets you continually borrow funds up to your approved credit limit and at a low fixed rate. Use the funds for unexpected expenses such as medical bills or car repairs.

  • Borrow between $500 – $10,000 at a low fixed rate
  • Link to your checking for overdraft protection
  • Get advances of $100 or more when you need it


Savings Secured Loan

Use your 360FCU savings or share certificate account for collateral while still earning dividends.

  • No credit qualification required
  • Borrow up to balance in account


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Loan Payment Calculator

Consolidate Debt Calculator


Personal Loan Rates

Rates as of: 08/16/2023
Anything Loan
Up To 36 months
10.99%$500 Minimum Loan Amount
Anything Loan
37 - 60 months
Debt Consolidated
Up To 36 months
9.49%$500 Minimum Loan Amount
Debt Consolidated
37 - 60 months
Signature LOC
Revolving Credit Line
12.50%Borrow up to $10,000
Term Line of Credit
84 months
8.00%Initial draw period is the first 2 years from closing date followed by a 5 year repayment period
Payment Example: $489.86 monthly payment based on $15,000 borrowed at 10.99% for 36 months.
$438.08 monthly payment based on $20,000 borrowed at 11.49% for 60 months


Savings Secured Loan Rate

Rates as of:03/01/2022
Up To 60 monthsLoan interest rate is 2.00% above the last declared rate of the product securing the loan. See your statement for actual rate.


1) APR = Annual Percentage Rate. Rates & terms are effective as of the date shown and are subject to change without notice. Except for lines of credit, education refinance and savings secured loans the Annual Percentage Rate includes a 0.25% rate discount with Auto-Pay from a 360 Federal Credit Union Account. If the Auto-Pay is not set-up or removed from the account your rate will increase by 0.25%. Rates listed are based on our credit grade “A”. Your actual rate may differ depending on your individual credit score and term.

2) 7 year term line of credit. Minimum line amount of $3,000 and max line amount of $30,000. Initial draw period is the first 2 years from closing date followed by a 5 year repayment period. No other withdrawals will be permitted after the draw period ends. During the draw period interest only payments are required. Your payments during the repayment period will increase as your payment will now include principal and interest. Your principal and interest payments will be based on the remaining balance withdrawn. The minimum credit advance you may obtain with any withdrawal from your term line of credit is $100.00.

All loans and credit lines are subject to credit approval, except the savings secured loan.  Membership eligibility required. Ask for details.