Loan & Credit Options
Royal Credit Union has options for all of your needs. Please look at some of the products below.
Loan and Credit Options
Promo
Get A HELOC With No Closing Costs!
A Home Equity Line of Credit lets you borrow money for almost anything at a great rate
Home Loans
We Make Your First Home Or Dream Home Possible
Buy your first home or upgrade with flexible mortgage options, competitive rates, and trusted guidance from our mortgage experts.
Auto Loans
Now Is The Time To Get Behind The Wheel Of A New Car
Get behind the wheel with an auto loan
Secured Loans
The time for fun is now when you use a recreational loan
Small Business Loans
Easy ways for small businesses to get needed capital
Related Products
Platinum Rewards Visa® Credit Card
Get One Low Rate And No-Fee Balance Transfers
Get one low rate and no-fee balance transfers
Frequently Asked Questions
Do I need to be a Royal Credit Union Member before applying for a loan?
No. You can apply for a Royal Credit Union loan before becoming a Member. If your loan is approved and you choose to move forward, you’ll need to qualify for and establish Membership before the loan is finalized.
Can I get preapproved before I shop?
Yes. Royal offers preapproval for vehicle loans and other eligible loan types so you can understand your budget before you shop. Approval and available terms depend on your application, credit, income, and other underwriting requirements.
How long does a loan decision take at Royal Credit Union?
Royal provides fast, local loan decisions, and same-day decisions are available for many consumer loan applications. Timing can vary based on the type of loan, application details, documentation, and whether additional review is needed.