Borrowing

Standing with your household's needs. Standing behind your purchases.

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Loans & Lines of Credit

Whatever you need, Leaders helps you get it.
Loan Description Max. Term
Auto For cars, trucks, vans and SUVs. Up to 115% financing and preapprovals available. Learn more . 75 mos Apply
Motorcycle, Boat & ATV For motorcycles, watercraft and off-road vehicles. Up to 115% financing available. 72 mos Apply
RV For recreational vehicles and campers. 120 mos Apply
Leaders VISA® Our no-compromises Platinum and Platinum Rewards VISA® credit card. Learn more. n/a Apply
Student Choice Fund the gaps that scholarships and Federal aid leave behind. Learn more. 120 mos Apply
Personal Loans Finance any purchase or prepare for unexpected emergencies. Lines of credit also available. 48 mos Apply
Share-Secured Use your own deposits as collateral, and enjoy a low interest rate. n/a Apply
Mortgages From first mortgages, refinances and home-equity lines of credit to fixed rates, adjustable rates, balloons and even100% financing, we’ve got you covered. Learn more. n/a Apply
*APR=Annual Percentage Rate. Offer and rate applies only to new balance transfers. Fixed-rate for life refers to life of current Leaders VISA® credit card. Must be a current Leaders Credit Union member in good standing with no delinquencies and/or charge-offs. Leaders VISA® Platinum and Platinum Rewards credit card subject to credit application and approval. Not all applicants will qualify. Applicants under age 21 may require a co-applicant.

Auto Loans

Leaders keeps you rolling with a convenient online application process, flexible terms and industry-low rates. You can even finance at local dealerships if you choose one of our partners. We're ready to help you make smart financial decisions.

  • Borrow for cars, trucks, vans, SUVs, motorcycles, ATVs, watercraft, and RVs
  • Terms up to 72 months (120 months for RV)
  • Finance up to 115% of the vehicle's value
  • Debt Protection, Guaranteed Asset Protection and Warranties are available for purchase and may be included in the financing of your purchase, if qualified

Consolidation Loans

Having one loan at Leaders is good. Having them all here is much better.

We exist to serve your needs. Part of that service is making sure that when you repay your debts, you spend the least amount possible in interest. When you have loans or credit cards with other providers, and you have repaid those loans on-time, we can help you consolidate or refinance them into Leaders loans. Here are some ways we can help:

  • Consolidation loans: refinance your home or auto and include debts from other providers, reducing your rate or shortening your term to repayment. We also offer signature loans to consolidate other debts.
  • Rapid Refi: if you have at least 12 on-time auto repayments, Leaders will refinance your loan and either reduce your monthly payment or shorten the length of your loan.
  • Balance transfers: transfer your existing balance on a competing credit card to a Leaders Platinum VISA® and pay no balance transfer fees. We also guarantee 7.99% APR* for the life of the transfer repayment.

Debt Protection

Help play it safe.

Whether you're taking out a loan to make home improvements or buying a vehicle, it can be a financial gamble because things happen…life happens. Help play it safe with Debt Protection, a voluntary loan-payment protection product. Debt Protection helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements help ease the enrollment process.

Over 60% of members ages 25-40 are concerned with how they will support themselves if they become disabled.

If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), Debt Protection will cancel or waive your loan payment(s), up to the contract maximums. Help lessen your worries, and your family's worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Email or call the Leaders Loyalty team at 800.227.1893 ext. 253 and ask about protecting your loans, today.

Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

Student Loan

An Educated Choice in Student Loans

Getting an education is tough enough without drowning in debt, or stressing over financial hassles. Our Student Choice Loan gets an "A" for Awesome. Check these out:

  • Finances up to $75,000 (total throughout a college career).
  • Fills in gaps that federal aid might leave behind.
  • Offers lower rates and fewer fees than typical lenders.
  • Save hundreds per year.
  • Provides zero origination or prepayment fees.
  • Offers the option to defer all payments while in school.
  • Offers flexible payment terms.

Finding funds for college can seem overwhelming and frustrating. See how we can help you get to the next level in your education!

Graduate Auto Loans

Road Trips Always Start with the Best Intentions.

When trying to buy a car, people with limited credit typically ride the catch-22 wheel of shame. No credit history? Sorry, no car loan. No car loan? Sorry, no credit history. Stop the madness! Your Leaders Graduate Auto Loan will give you credit where credit is due.

We'll look at what you have done, not what you haven't. Then we'll help you get flexible terms, a competitive rate, and the chance to build a positive credit history.

Here's the lowdown for college grads:
  • To qualify for our college graduate auto loan, you must have a Bachelor's or graduate degree from a four-year accredited college or university.
  • When you apply, have your degree and/or transcript, and proof of income (like a paystub) or a commitment letter from your employer.
  • No co-borrower or guarantor required (was that a sigh of relief we just heard?)
  • Minimum Loan Amount: $5,000
  • Maximum Loan Amount: $25,000 on an individual basis (meaning no co-signer)
  • Terms up to 72 months
  • Only 10% down payment required (that's way less than the other guys)
  • Funding up to 90%* of NADA Retail Value
  • We will finance vehicles that are new and used vehicles up to 7 years old
  • Fast and convenient approval (apply online 24/7)
  • You gotta have a checking account with Leaders.

If you're a high school grad and you're already in the workplace, you know how important it is to be able to drive.  We won't let your lack of credit stop you.

Here's what high school grads need to know:
  • To qualify for our high school graduate auto loan, you must be at least 18 years old and be a high school graduate with a degree.  You must have had a full-time job (32 hours a week or more) for the past 6 months.
  • When you apply, have your degree and/or transcript, and proof of income (like a paystub) or a commitment letter from your employer.
  • No co-borrower or guarantor required (was that a sigh of relief we just heard?)
  • Fixed interest rate of 8.99% APR
  • Minimum Loan Amount: $5,000
  • Maximum Loan Amount: $12,500 on an individual basis (meaning no co-signer)
  • Terms up to 60 months if loan amount is $7,500 or more, and up to 48 months if $7,500 or less.
  • 5% minimum down payment
  • Funding up to 100%* of NADA Retail Value
  • We will finance vehicles that are new and used vehicles up to 10 years old
  • Fast and convenient approval (apply online 24/7)
  • You gotta have a checking account with Leaders.

To get started on the right foot and get one step closer to your brand new car, apply online and take our "Credit Matters" mini-course.

*Includes sales tax, license and warranty

**APR = Annual percentage rate. Includes a ¼ percentage point discount for payment through automatic transfer from a Leaders checking account. The monthly payment for a $12,500 Leaders auto loan at 8.99% APR for 72 months would be $202.73.

*** Payments are considered “on time” when they are made within 30 days of the loan's due date.