Personal Loans
Flexible loans for whatever life brings your way.
A Personal Loan from Alcon Employees Federal Credit Union gives you the freedom to cover life’s expenses — big or small. With no collateral required, low fixed rates, and flexible payment options, you can borrow confidently and stay in control of your budget. Whether you’re consolidating debt, paying for repairs, or handling unexpected costs, our Signature Loans make it simple to move forward.
Signature Loans
Whatever you need, whenever you need it.
A Signature Loan is an unsecured personal loan that gives you money when you need it most — without using your car or savings as collateral.
Features:
Low, fixed rates
Flexible payment options
No collateral required
Quick and easy application process
Ideal for planned or unexpected expenses
Common uses:
Medical bills
Car repairs
Home projects
Moving expenses
Debt consolidation
Travel or family needs
Best for:
Members who want simple, fast borrowing with predictable payments.
How does it work?
Simple steps from application to approval.
Apply online or visit our branch
Tell us how much you want to borrow and your reason for the loan.
1
Review your loan offer
We’ll share your rate, term options, and estimated payment.
2
Sign and receive funds
Once approved, your money is deposited quickly so you can move forward with confidence.
3
Personal Loan FAQs
Do I need collateral for a Signature Loan?
No. A Signature Loan is unsecured, meaning you do not need a car or savings account as collateral.
How much can I borrow?
Loan amounts depend on your credit, income, and ability to repay. We’ll help you choose an amount that fits your budget.
Are rates fixed?
Yes. Your rate stays the same for the full term, making payments predictable and easy to plan for.
How fast can I get the funds?
Many approvals happen the same day, and funds are often deposited quickly after loan signing.
Can I pay off my loan early?
Yes. There is no penalty for paying your Signature Loan off early.
Why Choose a Personal Loan from Alcon Employees FCU?
Low, fixed rates that help you save
No collateral required
Fast decisions from people who care
Simple monthly payments
Local service and support
Member-focused, not-for-profit lending
Proudly serving Alcon employees, contractors, and their families.