In need of urgent money?

Harvard FCU makes it simpler for you

We have prepared a personal loan that covers one-time expenses right away. Are you planning your next adventure? Expenses are overflowing your pockets? Or do you want to turn your hobby into a business? Start with a value-driven and flexible personal loan offered by Harvard FCU. Our “Simplifying Finances” personal loan is tailored to help you nail those projects.

How it works?


As Low As

9.99 % APR 1


Up to



Up to

60 Months

What to use your Harvard FCU personal loan for?

A Harvard FCU personal loan is a great low-cost option for covering those one-time expenses.



Take that vacation you’ve been craving!

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Simplify Your Finances

Consolidate your debts and take control of your finances.

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Home Improvements

Make those home repairs or updates you’ve been putting off.

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Throw an epic wedding celebration!

Already submitted an application?

Frequently asked questions

Harvard FCU Personal Loans are unsecured loans that can be used for personal, family or household purposes, such as consolidating existing credit card debt, vacations, major purchases, home renovations or significant life events.

Simply click on the “Apply” button to start your application.

During the application process, you will need to provide some basic information for your request such as the amount you wish to borrow, your desired repayment period, and the purpose for requesting a loan. You will also need to provide general information about yourself such as your monthly income, length of employment, and length of residency.

Applicants can apply for a Personal Loan of up to $25,000.

Most applicants will receive a decision within 1 business day. However, our decision may be delayed if we require additional information from you, in which case a representative will contact you directly.

Harvard FCU will typically disburse your loan funds the same day you sign your Personal Loan agreement.

Funds can be deposited directly to your Harvard FCU Checking or Savings account. You may also request your funds be sent to your home address on file in the form of a check.

There are no application or closing fees. There are no pre-payment penalties.

Any scheduled payment over 15 days past due will be subject to a late fee of $5.00 or 5% of outstanding balance, whichever is less.

There are several ways you can repay on the loan:

  • Payments can be automatically deducted from your Harvard FCU Checking or Savings account each month. This method is recommended.
  • If you’d like to set-up automatic payments from an outside bank account (Checking or Savings) please fill out our Incoming ACH Form.
  • If you would like to send a check, make the check payable to Harvard Federal Credit Union and mail it to the following address:

Harvard Federal Credit Union
PO Box 382609
Cambridge, MA 02238-2609

Be sure to include your account number on your check and the remittance section from your billing statement.

  • You may also call Harvard FCU at (617) 495-4460 to make a payment by phone.

You can access information about your Personal Loan, including the outstanding balance, monthly payment amounts, payment due dates, and prior payments, through your Harvard FCU online banking account. You can also review your monthly statement.

The payment due date on your Personal Loan is a fixed date and will depend on when you close on the loan. It is the same date each month for the duration of your loan. You will not be able to change this date.

You can find your Personal Loan Account Number on your Harvard FCU statement. You can also find it listed in your original closing documents.

Simplify Your Finances

1. Annual Percentage Rate. Rates advertised are the lowest rates available and include APR minus .25% discount with automatic payment from an Harvard FCU Crimson or Smart Rewards Checking account.  Rates will be determined by individual credit worthiness. Your rate may vary from rate shown. Certain restrictions may apply. Subject to Credit Approval.

Loan Example: $1,000.00 loan at 9.99% for 60 months. Monthly payment is $21.24 with total finance charges of $274.53 and total repayment of $1,274.53.