Consumer Loans

New Horizons Credit Union offers a wide array of financial services. Any member in good standing may apply for a loan using our quick, easy, and hassle-free online Loan Application. Minors applying for a loan must have a legal adult age co-signer on the loan. Below is a list of a few of our consumer loan types. We also offer credit cards, vehicle loans, and mortgage loans.

New Horizons Credit Union has a loan to fit almost any need.
  • Competitive rates
  • Reasonable terms
  • Convenient payroll deduction
  • Credit Life & Disability Insurance
  • No hidden charges or pre-payment penalties
  • Interest calculated on unpaid balance daily  
For rates on all our consumer loan products, click here!

Make a loan payment!


Contact your local loan officer to see how you may take advantage of any of the listed loans.

Credit Rebuilder

New Horizons Credit Union's Credit Rebuilder Program is designed to help our members rebuild and re-establish a favorable credit score. If you have filed Chapter 7 and received a discharge within the last 30 months, we can help you start repairing your credit!

Personal/Signature Loan

A Personal or Signature Loan can be used for a variety of reasons, such as emergency funds, college tuition, vacation needs, and more! A Personal/Signature Loan can be financed up to 60 months term. 

Overdraft Protection Loan

Gives you access to up to a $500 line of credit for use as Overdraft Protection.

Secured Loans

Loans with Shares (savings) or Certificate Accounts used as collateral for loans. Interest rate is as low as 4.00% Annual Percentage Rate above the Dividend Rate being earned on the Shares or Certificate accounts.

For rates on all our consumer loan products, click here!


Apply for a personal loan!


For Loan Disputes and Inquiries, please write to:

New Horizons Credit Union - Disputes & Inquiries

P. O. Box 1785, Mobile, AL 36633

or Call Toll-Free 1-800-824-3610 for assistance.


*Loans are subject to approved credit. All rates and terms are based on an evaluation of applicant's credit and may vary. Other conditions and restrictions may apply. Contact the Credit Union direct for details at (800) 824-3610.