Happy couple signing a contract.


Anytime, anywhere with Real-Time Loan Advance

Sometimes the things you need are just out of your financial reach. When that happens, you can trust our variable-rate Open-End Signature Personal Loan to help.

Think of it as a personal loan you can borrow from at any time when credit or funds are available. And unlike a HELOC, you don't need to own a home to get this line of credit. Once approved, and you have agreed to the Online Services Agreement, the Open-End Signature Personal Loan gives you flexibility with quick and easy access to your available line of credit 24/7 through online services or the automated Voice Response System.

Our rates are often lower than some high-interest, variable-rate loans found at other financial institutions. The annual percentage rate (APR) of this loan cannot increase by more than 1% each quarter over the previous quarter, and cannot exceed 18%.

Personal loan, online approval

There are no new forms to fill out when you want an advance on your loan; just use our Real-Time Loan Advance service. Plus, your Open-End Signature Personal Loan can protect your LGFCU Checking Account if you choose to enroll the checking account in our Overdraft Transfer Service.

Open-End Signature Personal Loans are available for LGFCU members residing in North Carolina, South Carolina, Virginia, Georgia and Tennessee.

There were times when I needed $1,000 or $2,000 and I called the Credit Union. When I needed a little extra money for something I had no problem getting it.
Harold J. Burnsville

Next Steps

Choose a way to apply for your Open-End Signature Personal Loan:

Your resources: Loan Information Checklist

Subject to approval. APR = Annual Percentage Rate. Open-End Signature Personal Loans have variable rates and are available for LGFCU members residing in NC, SC, GA, TN and VA. Variable rate is subject to change quarterly and is based on the U.S. Prime as published in the Wall Street Journal. The APR cannot increase by more than 1% each quarter over the previous quarter and cannot exceed 18%.