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Personal Lifestyle Loans

If you need help paying for a new computer, car repairs, or a vacation getaway, R.I.A. Federal Credit Union has just the personal loan for you.

A Lifestyle Loan offers cash up to $30,000 for qualified borrowers with no collateral and no prepayment penalties.


  • Low rates*
  • Affordable payments
  • No collateral necessary
  • No prepayment penalties
  • Easy to apply
  • Rates based on credit history & relationship pricing*
  • Loans are subject to approval
  • Certain restrictions apply
  • Must be a credit union member to receive a loan
  • Amounts up to $30,000
Take a look at our rates.

*Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications

Not all big purchases are for a car or home. That's when a personal loan can help you get access to funds for virtually anything you need or want to do. Having collateral isn't required. Your rates are dependent on your credit history and relationship pricing*.

The rates offered may be lower than your credit card interest rates. Consider a personal lifestyle loan as an alternative for putting big purchases on your credit card. It can also be used for debt consolidation. If you're getting a lower rate than your annual interest rates, use it to consolidate your payments into one single affordable monthly plan. Many members have used personal loans to make smarter purchasing decisions and climb their way out of debt. Get started with our easy application and find out if you qualify for a low rate and affordable payment plan.