Kitchen remodel

Loan Offers

Personal Loan with 1% APR Discount^

Use the power of your credit score to get a loan without collateral and a rate discount. Whether you're preparing for a new baby, covering an unforeseen event or other obligation, Vantage has personalized lending options.

Use promo code LN26X when you apply.

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Whatever your lending need, Vantage Credit Union has the solution!

Home Equity Line-of-Credit as low as Prime minus 0.25% APR*

Life is full of the unexpected—the equity in your home may be the key to unlocking financial flexibility. Vantage offers loan solutions to meet your needs, whether for home improvements, debt consolidation or other major purchases. Benefits of our HELOC:

  • No Closing Costs*
  • Interest-only Payment Flexibility
  • No Pre-payment Penalties

Auto Loans as low as 4.99% APR**

A lower car payment could be yours! Finance your vehicle through Vantage to take advantage of our low rates. In the market for an RV, boat or other recreational power sport? We have rates as low as 7.99%!

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^Must apply by December 31, 2026 and use promo code LN26X on loan application to receive a special 1.0% APR reduction of the Vantage Credit Union posted personal loan interest rate for which you qualify. $1,000 minimum loan amount and 60 month maximum term. Rates and terms subject to credit qualifications as well as other factors. Certain restrictions may apply.

*Annual Percentage Rate (APR) may vary based on applicant creditworthiness and loan-to-value. APR is based on the Prime Rate, 6.75% as of 1/1/2026, and can change quarterly. The maximum APR at any time is 24.90% and minimum APR at any time is 2.50%.

HELOC valid on Missouri and Illinois property only. Property must be primary residence and owner occupied. Minimum credit line of $10,000. Property insurance required, flood insurance may be required. Programs, rates, terms and conditions are subject to change without notice. Other terms and conditions apply.

Important Terms of our Home Equity Lines-of-Credit
When Your Home is On the Line

**APR based on applicant creditworthiness and collateral, and subject to change.