An Experienced Lending Partner You Can Trust

Personal Loans

Qualified borrowers can get a cash loan up to $30,00010 with no collateral.

Vehicle Loans

Take the first step toward that new or used vehicle with attractive loan options from R.I.A.

Why Choose R.I.A.?

When it comes to choosing a lender, we understand you have options. But finding the right lending partner goes well beyond the numbers. Below are just a few reasons why R.I.A. is a step above the competition.

Experience

When you work with R.I.A., you’re not just working with one individual — you are getting the benefit of 85 years of industry experience.

Service

We take pride in our ability to provide the highest level of service to meet the unique needs of every customer.

Community

Our business was built on serving local communities. It’s part of our history and something we continue to do each and every day.

Trustworthy

We work hard to earn the trust of every member by delivering unparalleled customer service coupled with financial excellence.

Home Loans

Connect with one of our mortgage experts to start your home buying journey today.

Student Loans

See if we can boost your financial aid package  with a personalized student loan from R.I.A.

Lending FAQ

You have questions. We have answers. See below for a list of our most frequently asked lending questions.

Can I still get a loan if I have bad credit?

We offer a Credit Builder Loan Program focused on determining the best route for our members to secure a loan. An R.I.A. loan officer will work with you to better understand your individual circumstances. For more information contact our team.

Can I use a personal loan for anything?

While personal loans can be used for many reasons, they do require a lending purpose and have certain restrictions. For more detailed information contact our customer service team at 800-742-2848.

How long does it take to get a personal loan?

For your convenience, we offer same day decisions on personal loan applications in most cases. For more details on personal loans contact our customer service team at 800-742-2848.

What terms do you offer on your vehicle loans?

R.I.A. Federal Credit Union is proud to offer extremely competitive rates with flexible payment terms. We offer vehicle loans up to 84 months11 to fit your financial needs.

Do you offer any programs for first time home buyers?

Buying your first home can be overwhelming. To make the process a little easier, we do have first home buyer programs available. For full details contact our mortgage team.

What documentation will I need for a vehicle loan application?

The documentation needed for a vehicle loan is determined by our underwriters once they review your application, but typically includes a copy of the title, your driver’s license, and proof of insurance. Our team is always here to help guide you through the process. Contact us with questions any time!

Do I need to be a member to apply for a loan?

Membership is not required to apply for a loan with R.I.A. Federal Credit Union. However, you will need to become a member to finalize the loan. When you open an account with us you become a member of our credit union.

Will my loan application be denied if I have a bad credit score?

Not necessarily. We’re committed to the financial well-being of our members. We do offer risk-based lending to better serve our community. Contact our team for further details on how risk-based lending works with R.I.A. Federal Credit Union.

How long does the home loan application process take?

In most cases, decisions are made on home loan applications in 24 hours. However, closing times vary. Contact our mortgage team for more details on home loans at 800-742-2848.

What documentation will I need for a home loan application?

Our team is committed to helping you navigate the process of applying for a home loan. There are verification requirements that need to be met, but typically you will need some form of income verification. This can include a W2, 1099, pay stubs or your tax return. If you are refinancing your current mortgage, you may need your most recent mortgage statement. Contact a member of our mortgage team for more information.

Disclaimer

10. Personal Loans

    • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
    • Loans are subject to credit approval. Restrictions may apply.
    • APR is Annual Percentage Rate. Rate is fixed (non-variable). This offer is for new money only, no internal refinances. 8.75% APR. Limited time offer based on capacity to repay. Personal loan example: 48 monthly payments of $24.77 per $1,000 borrowed at 8.75% APR. All loans are subject to approval.
    • See Rates and Fees Schedule

11. Vehicle Loans

      • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
      • Loans are subject to credit approval. Restrictions may apply.
      • 67-75-month financing available only on loans of $12,000 or more only on 2015-2022 model year.
      • 76-84-month financing available only on loans of $20,000 or more only on 2015-2022 model year.
      • For example, a 48-month term on a new recreational vehicle loan for $10,000 at 2.64% APR, the monthly payment will be approximately $219.76.

12. Home Loans

      • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
      • For example, a 30- year Fixed Home Loan for $200,000 at a 3.40% APR, the monthly payment will be approximately $887.00. Taxes and insurance premiums are not included in the payment. The actual payment obligation may be greater. 
      • Loans are subject to credit approval. Restrictions may apply.

13. Home Equity

      • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
      • Loans are subject to credit approval. Restrictions may apply.
      • For example, a 60-month Fixed Home Equity Loan for $10,000 at a 3.25% APR, the monthly payment will be approximately $180.80.
      • For example, a 60-month Home Improvement Loan for $20,000 at a 5.24% APR, the monthly payment will be approximately $379.63.
      • For example, a 120-month Power Equity Loan for $20,000 at a 6.24% APR, the monthly payment will be approximately $224.46.
      • Home Equity Lines of Credit are variable-rate loans. Rates as low as 3.25% APR are based on an evaluation of credit history, CLTV (combined-loan-to-value) ratio, loan amount and occupancy, so your rate may differ. The plan has a maximum APR of 18%. $48 document fee and $300 processing fee for proof of homeowners’ insurance required.

14. Student Loans

      • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
      • Loans are subject to credit approval. Restrictions may apply.

Still Have Questions?