Semi Secured Loans
Loans ranging from $1,001 – $300,000
Semi Secured Loan Features:
- Borrow up to twice the pledged shares (50%) against your or guarantors shares account balances
- As the loan gets paid off more shares become available to you proportionately to the pledged amount
- Shares continue to earn dividends
- Low fixed interest rate
- Term up to 84 months
Semi Secured Personal Loan
Member can qualify for the loan if the following requirements are met:
- Members must be in good standing as a borrower/guarantor and must meet loan criteria to qualify.
- A minimum of one guarantor is required
- Income verification required
- All borrowers must sign IRS Form 4506-C for verification of their tax returns with the IRS.
All of the above terms and conditions are subject to change. Some restrictions may apply.
Guarantors are required. Please note that acceptance of your application does not mean approval of a loan. INCOMPLETE Loan Applications will not be processed. Supporting documents must accompany the application.
Semi Secured Signature Loan
Members can qualify for the loan if the following requirements are met:
- Members must be in good standing as a borrower/guarantor and must meet loan criteria to qualify.
- Income verification required
- All borrowers must sign IRS Form 4506-C for verification of their tax returns with the IRS.
All of the above terms and conditions are subject to change. Some restrictions may apply
Please note that acceptance of your application does not mean approval of a loan. INCOMPLETE Loan Applications will not be processed. Supporting documents must accompany the application.
Leverage pledged shares to access larger loan amounts—up to $300,000—with lower rates than unsecured options.
Loan Features
Borrow up to twice the pledged share amount
Terms up to 84 months
Shares continue earning dividends
No prepayment penalties
Getting Started
Eligibility: All borrowers must have an NPFCU account or be eligible for membership, be of contractual legal age, and have legal status to reside and work in the United States. Rates, terms, and conditions apply.
Apply Online
Apply In Person
Contact US
Our online application portal will allow you to submit your application. Loan officers will provide you with a secure upload link to upload any supporting documents needed to process a loan once the application is submitted.
