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Personal Loans


Family walking on the beach

Getting a personal loan at Mainstreet is different. That's because we're people who live on the same street you do. We know how much getting the right loan at the right time can mean. Whether you are in need of a relaxing vacation, a new home computer or just some extra cash, Mainstreet Credit Union has the loan for you! We can give you the freedom to choose the things you want. Our loans feature:

  • Competitive Rates
  • Prepayment Without Penalty
  • Flexible Terms
  • Credit Disability or Credit Life Insurance

We also offer 100% financing, an optional 90-day deferment on your first payment and the ability to apply online or by phone 24 hours a day! Check out each loan type below.

Signature Loans

Signature Loans allow you to borrow money for nearly any purpose including, but not limited to, computers, bicycles, or that beautiful diamond necklace you've been dying to have (excludes business loans). Mainstreet bases your eligibility on your credit, financial resources and the amount of your loan request. Mainstreet Credit Union offers flexible terms up to 48 months, so a payment can be tailored to fit your budget. Apply for your loan online or by phone 24 hours a day.

 

Certificate or Share Secured

Borrow money using your Mainstreet Share Certificate or your Mainstreet Share (Savings) Account as collateral. Funds may be used for practically anything, such as auto purchase, vacation, you name it! If you have little or no credit established, this is an excellent way to build your credit while receiving a great low rate. Plus, dividends continue to accrue on your certificate or share account.

You can borrow up to 100% of the certificate balance or available share balance (minimum loan request $500). With available terms up to 60 months, you can tailor a payment that best fits your budget. The APR (Annual Percentage Rate) for a certificate secured loan is calculated by adding 3% to the APY (Annual Percentage Yield) earned on the certificate. Apply for your loan online or by phone 24 hours a day.

Private Student Loans

Our low-cost student loan is designed to meet your education needs:

Click here to learn more and start your application.

Loan Protection Coverage

Unfortunately, accidents, injuries and deaths occur every day. With the numerous financial responsibilities you take on, it's important to protect yourself and your family from the financial effects of a sudden disability or death.

Credit Disability Insurance

Credit Disability and Credit Life Insurance

Credit Life Insurance

Joint Credit disability Insurance

 

Loan Application by Phone 
Apply by phone 24 hours a day by calling (913) 599-1010 option #7 or toll-free at (888) 359-1010 option #7.

Click here for loan rates
Click here for financial calculators