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Our No Credit Check Holiday Loans are back!

Make BIG memories with your little helpers.

Signature Loan

Rates as low as
8.99% APR1

Kwik Cash

Rates as low as
13.90% APR2

P.A.L. Overdraft

Rates as low as
15.90% APR2

Rates subject to change at any time.

Signature Loan

no credit check holiday loan

Email us to see if you qualify!

Let your credit worthiness be your collateral with a signature loan. Terms up to 48 months give you options for a payment structure that fits your needs. Get the money you need to consolidate debt, pay for school or home improvement expenses, or finance that dream vacation.

At MCU you have control of your loan, you can pay monthly, bi-weekly, or even weekly and there is no penalty for early pay off. Plus, you’re getting one of the lowest interest rates in town!

*APR is Annual Percentage Rate. Rates subject to change. Account must be in good standing with the credit union. One (1) year of membership required. No 30-day delinquency or negative shares with MCU in the past 12 months. Must verify employment with current paystub at application. Maximum term limit is 12 months. $500 minimum and $1500 maximum loan required. Automated recurring payments required. Not valid for refinancing existing MCU loans. Offer good 11/1/22 to 12/31/22.

Kwik Cash

Kwik Cash is a pre-approved revolving line of credit. There is no annual fee and no per transaction fee. Kwik Cash is easier than a credit card. Credit lines up to $10,000 are available based on your credit score. The minimum disbursement is $50.00.

PAL overdraft Protection

P.A.L. Overdraft Protection

PAL (Protection And Loan) Overdraft Protection is designed to help you avoid NSF (non-sufficient funds) charges. Once you’re approved, funds will automatically be deposited to your checking account to cover checks when funds aren’t available, up to your designated limit. You only pay interest on the amount overdraft for as long as it is overdraft.

There is no annual or per transaction fee. Funds may be transferred at will or automatically when checks are clearing your account.

According to Wisconsin law, for line of credit loans, you must be presented with the complete Wisconsin Credit Union Loan Application Form and Addendum. If you prefer to complete and sign this fillable form you can do so here. Otherwise please click the button above to complete the mini application.

Savings Secure Loan

This loan is ideal for the member attempting to build a credit history. Loans are granted based upon funds already in your MCU savings account or certificate. Loan rates are 3% above the savings rate you are currently receiving. On time payback allows you to build a good credit rating.

Click to View All Personal Loan Rates

Other Loan TypesTermsLimitsRates as low as
(Vary on credit score)
Savings SecuredUp to 60 months13.00% + Savings Rate
Certificate SecuredUp to length of CD13.00% + CD Rate
Signature Loan*Up to 48 Months100008.99%
Lines of Credit (Kwik Cash)^Revolving250013.9%
No Annual Fee
Overdraft Credit (PAL)^Revolving250015.9%
No Annual Fee
VISA CardRevolvingOpen0% Introductory Rate

1APR is annual percentage rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.
2 APR is annual percentage rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Finance charges begin to accrue from the date of posting. Existing lines of credit can be disbursed without delay.
4 $5,000 maximum loan amount. Refinancing a current MCU loan requires $1,000 of new money. Other rates and terms available. Offer good 1/1/2022 – 2/28/2022.