Personal Loans

Personal Loans


We offer a wide variety of consumer loans for many different occasions such as buying a new or used vehicle, buying a recreational vehicle, or consolidating your bills.

With some of the best rates in town, we take pride in our flexibility to meet all your loan needs.
For a quick approval, apply online or contact our loan department.

The consumer loans and products we offer are:

Overdraft Line of Credit

The Overdraft Line of Credit is an open line of credit loan that offers peace of mind by covering spending above and beyond what you have in your checking account.  

If you are interested in having funds readily available, apply now – select “Signature Loan” or contact a Loan Officer at 320.252.5393.

drive-up icon

New / Used Vehicles

Whether you’re buying or refinancing your current vehicle loan, we can help you get the vehicle you want at the rate you can afford. For a quick pre-approval, apply online or contact our loan department.

  • Up to 100% financing
  • Low cost protection plans- *Guaranteed Asset Protection (GAP) Plus, *Payment Protection, and *Extended Warranties
  • Easy payment with payroll deduction
  • Get .25% off your rate when you apply online!**



Purchase a recreational vehicle and spend your summers on the lake or your winters in the snow. With our great rates and flexible terms you could be having fun in your new recreational vehicle. 


We provide loans for Campers, Boats, Trailers, Motor homes, Jet skis, Motorcycles, and (ATVs) All-Terrain Vehicles.


For a Limited time, get 1.00% off your rate when you apply online!**



Signature Loans

Are your bills adding up? Do you need a vacation? Does your home need renovating?  Signature loans can help and are customized for your needs and budget. Our signature loans offer flexible terms, fixed rates and no collateral needed.


money bag

Debt Consolidation

Are you paying a high interest rate on your loan? Did you overspend on credit cards and bite off more than you could chew? Are your bills adding up? Let us help pay off all of your outstanding bills by consolidating them into one simple, single monthly payment. Making your life simpler and saving you money!


Share Secured Loans

Secured with balances in share savings or share certificate. Allows you to continue to earn dividends on your savings.

·       Low Rates

·       Flexible terms

·       Excellent way to re-establish credit


Contact a Loan Officer at 320.252.5393 to get started.

Protection Plans

*Payment Protection 

A loan is more than just getting the right rate; it’s also about having the right protection. Payment Protection will give you peace of mind in the event something should happen to you. This plan makes your payments if you should become disabled, deceased or unemployed. Contact our loan department for further information or to enroll.



*Guaranteed Asset Protection (GAP) Plus – If your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared an insured total loss, auto insurance will only cover the replacement value of the vehicle. Unfortunately, you will be responsible for the difference between the insurance settlement and the remaining loan balance. This deficiency can sometimes amount to thousands of dollars. GAP Plus covers the difference and will pay $1,000 towards your next vehicle purchase that is financed through Great River Federal Credit Union.

*Route 66 Extended Warranty – Route 66 Extended Warranty has a complete line of coverage designed to keep your vehicle and power sports on the road. Even the most reliable vehicle can develop a mechanical problem. No matter where you travel in the United States, Route 66 will protect you against major mechanical expenses, and there is no deductible on covered parts and labor. All plans come with 24/7 emergency road service.

  • Towing
  • Flat tire assistance
  • Battery jump starting
  • Lock-out service
  • Safe and secure package
  • Minor adjustments
  • No deductible
  • Nationwide coverage and much more…


*Products are not federally insured, are not obligations of the credit union, are not guaranteed by the credit union, involve investment risk.

*1.00% discount applies to qualifying recreational loans that are applied for via the GRFCU online application. Loan total amount must meet or exceed $25,000 to qualify. Loans under $25,000 may qualify for a .50% rate discount. Offer is subject to credit qualification and may change at any time. Online applications must be received from 12:01 AM on 11/23/2020 thru 11:59 PM on 11/29/2020.


Set up Automatic Payments on your loan


Fill out your Auto Payment Form here.
Upon completion of this form, please email it to or drop off at any of our locations.