Loan Services
Personal Loans
Vocal Loan Services
About Our Personal Loans
When life calls for extra support—whether you’re consolidating debt, covering medical bills, planning a vacation, or funding a major purchase—we’re here to help. Vocal is a trusted CDFI credit union offering personal loans in Helena, MT and the surrounding region. Our loans are built to serve people, not profits, with flexible terms, fair rates, and fast decisions from real people who live where you live.
Personal Loans We Offer
Flexible Financing Designed for You
Vocal's Visa Credit Card
A reliable option for everyday expenses or unexpected needs, our Visa Credit Card offers low fixed rates and no surprise fees. Use it to build credit, manage spending, or have a backup when you need it most.
People Helping People Loan
This signature loan lives up to its name. It’s an unsecured loan built for members who need a financial lift. No collateral required. Whether you’re facing a challenge or chasing a dream, this loan gives you room to breathe and move forward.
Why Choose Vocal?
Benefits of a Credit Union Personal Loan
Trusted Partnerships That Grow Together
At Vocal, relationships come first. We offer guidance and support—not just loans—so you feel confident at every stage of your financial journey.
Local Expertise, Swift Solutions
Our team lives and works in Montana, just like you. We understand local needs and make lending decisions quickly.
We Make Decisions with Community in Mind
You’re more than a number. As a CDFI credit union, we take the time to understand your situation and offer thoughtful solutions. Your success helps our whole community thrive.
Personal Loans FAQs
Have Questions? We’ve Got You Covered
What is the benefit of obtaining a personal loan?
A personal loan gives you freedom and flexibility. It can help you pay down high-interest debt, handle unexpected expenses, or finance meaningful purchases without relying on credit cards. One key benefit of obtaining a personal loan is knowing your funds are safe and your rates are predictable.
What rates does Vocal offer on personal loans?
We offer a fixed rate as low as 10.99% APR for up to 60 months.* That means your rate won’t change, and your payments stay predictable throughout the life of the loan. It’s a smart, stable option for planned or unexpected expenses.
How long does it take to get approved?
Most approvals happen quickly, often within a few business days. If you have questions or need help with your application, our team is just a call away.
Take Your First Steps
Start Your Personal Loan Application
Applying is simple, and our team is here to support you from start to finish. Whether you’re ready to apply or want to talk through your options, we’ll meet you where you are.
Additional Vocal Loans
More Ways to Borrow with Confidence
Explore other lending solutions designed to fit your life, whether you’re buying a car, purchasing a home, or growing your business.
Home Loans
From first homes to forever homes, we make the mortgage process clear and approachable.
Auto Loans
Get on the road with competitive rates, flexible terms, and support that keeps things moving.
Business Loans
Fuel your business with smart lending and a partner who understands your goals.
Vocal Credit Union Reviews
What Our Members Are Saying
Patricia B.
“I have been with this credit union for almost 40 years, they are great. I have never had an issue with them. I have had numerous loans with them over the years, they have always treated me and my family professionally and have been great to work with. I trust them to always do the right thing with my finances. Great folks.”
Joe W.
“I opened my account in 1994 when it was trico educational federal credit Union. Have had many loans with them. People have always been helpful and polite. No problems with them unless I created the problem myself then they are more than willing to help.”
Personal Loan Resources
Helpful Reads on Loans in Montana
What is a Benefit of Obtaining a Personal Loan?
While they are quite common, the ins and outs of personal loans are still unknown to many. Many of our credit union members wonder what benefits there are to obtaining a personal loan and whether they do more harm than good.
Can You Get a Personal Loan for Vacation Use?
With travel restrictions lifting across the world, you may be getting the itch to explore and travel. Whether it’s a family road trip to the Grand Canyon or a solo backpacking trip across Europe, you need a healthy budget to go on vacation.
Personal Loans
Vocal Credit Union is proud to custom tailor the best personal loans for every member in our community. Wherever you are in life or your career – and whatever’s happened along the way – we find workable solutions and provide affordable personal loan rates.