{"id":382,"date":"2021-09-14T20:06:03","date_gmt":"2021-09-14T20:06:03","guid":{"rendered":"https:\/\/nrccu.org\/?page_id=382"},"modified":"2024-05-15T13:00:11","modified_gmt":"2024-05-15T18:00:11","slug":"other","status":"publish","type":"page","link":"https:\/\/dev.wafishermn.com\/nrccu\/loans\/loans\/other\/","title":{"rendered":"Other Loans"},"content":{"rendered":"\n\n\t<p>NorthRidge has many different options to consider when you need a loan. No matter your circumstances, there is a solution! NorthRidge&#8217;s vision and purpose is to rid families in our communities of the burden of financial stress; because of this, we make loan decisions based on you as a person, <strong>not <\/strong>solely on your credit score. Contact one of our loan officers from any one of our <a href=\"https:\/\/nrccu.org\/resources\/about-us\/contact-us\/\">branches<\/a> to find out how we can help you.<\/p>\n<p><strong>Click a loan type for more information:<\/strong><\/p>\n<ul>\n<li><a href=\"#sharesecuredloan\"><strong>Share Secured Loans<\/strong><\/a><\/li>\n<li><strong><a href=\"#generalsecuredloan\">General Secured Loans<\/a><\/strong><\/li>\n<li><strong><a href=\"#debtconsolidationloan\">Debt Consolidation Loans<\/a><\/strong><\/li>\n<li><strong><a href=\"#overdraftprotection\">Reserve Line<\/a><\/strong><\/li>\n<li><strong><a href=\"#businesslineofcredit\">Business Line of Credit<\/a><\/strong><\/li>\n<li><strong><a href=\"#bizequipmentfinancing\">Business Equipment Financing<\/a><\/strong><\/li>\n<\/ul>\n\t<h2>Share Secured Loans<\/h2>\n<p>Use your <a href=\"https:\/\/nrccu.org\/savings-and-checking\/savings\/share-savings\/\">share account<\/a> or your <a href=\"https:\/\/nrccu.org\/savings-and-checking\/investing\/certificate-of-deposit-cd\/\">Certificate of Deposit<\/a> as collateral for a loan! If you have the funds, but don&#8217;t necessarily want to spend your savings or withdraw your Certificate of Deposit, you may take out a loan for what you need!<\/p>\n<p>The minimum payment on a share secured loan is $25.00. The maximum term length available for a share secured loan is 84 months. A loan secured with a Certificate of Deposit must match the term length of the certificate.<\/p>\n\t<h2>General Secured Loans<\/h2>\n<p>We have loans for all of your equipment! A general secured loan can be used for tractors, back-hoes, skid-steers, forklifts, horse trailers, and more!<\/p>\n<p>The maximum loan to value is 90% and the maximum term length is 60 months.<\/p>\n\t<h2>Signature and Debt Consolidation Loans<\/h2>\n<p>Debt consolidation is a great way to start working towards your financial freedom. A debt consolidation loan is a loan that you can use to combine your existing debts from <a href=\"https:\/\/nrccu.org\/resources\/services\/debit-and-credit-cards\/\">credit cards<\/a> or other loans into one payment. This can help you save on interest and pay off debts much faster! Here at NorthRidge, we want to see our members be financially well, and we specialize in helping you find your financial stride!<\/p>\n<p>A personal (Signature) loan or debt consolidation loan is unsecured and has a maximum term length of 60 months.<\/p>\n\t<h2 id=\"oploc\">Reserve Line of Credit<\/h2>\n<p>NorthRidge offers members a line of credit that can be used for overdraft protection on your accounts and more!<\/p>\n<h3>Payment Examples<\/h3>\n\t<table>\n    <thead>\n        <tr>\n            <th>Loan Amount<\/th>\n            <th>Monthly Payment<\/th>\n        <\/tr>\n    <\/thead>\n    <tbody>\n        <tr>\n            <td>$300.00 &#8211; $500.00<\/td>\n            <td>$25.00 monthly<\/td>\n        <\/tr>\n          <tr>\n            <td>$501.00 &#8211; $1000.00<\/td>\n            <td>$50.00 monthly<\/td>\n        <\/tr>\n          <tr>\n            <td>$1001.00 &#8211; $2500.00<\/td>\n            <td>$75.00 monthly<\/td>\n        <\/tr>\n          <tr>\n            <td>$2501.00 &#8211; $3000.00 <\/td>\n            <td>$100.00 monthly<\/td>\n        <\/tr>\n        \n          <tr>\n            <td>$3001.00 &#8211; $5000.00 <\/td>\n            <td>$125.00 monthly<\/td>\n        <\/tr>\n    <\/tbody>\n<\/table>\n\t<h2 id=\"business\">Business Line of Credit<\/h2>\n<p>NorthRidge also offers lines of credit for business accounts. <a href=\"https:\/\/nrccu.org\/resources\/about-us\/contact-us\/\">Contact us<\/a> to find out more!<\/p>\n\t<h2>Business Equipment Financing<\/h2>\n<p>We make it easy to access equipment you need to start or run your business. <a href=\"https:\/\/nrccu.org\/resources\/about-us\/contact-us\/\">Give us a call<\/a> to find out how we can help!<\/p>\n\t\t\t<a href=\"https:\/\/securecuonline.com\/nrccu\/LoanApp.aspx\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t\t\t\tGet Pre-Qualified\n\t\t\t\t\t<\/a>\n\t\t\t<a href=\"\/resources\/about-us\/contact-us\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t\t\t\tAsk a Question\n\t\t\t\t\t<\/a>\n<h2>\n\t\tYou Might Also Like\n\t<\/h2>\n\t\t\t<a href=\"\/resources\/member-resources\/calculators\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t\t\t\tLoan Calculators\n\t\t\t\t\t<\/a>\n\t\t\t<a href=\"\/resources\/member-resources\/financial-hardship\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t\t\t\tFinancial Hardship\n\t\t\t\t\t<\/a>\n\t\t\t<a href=\"\/resources\/about-us\/contact-us\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t\t\t\tOur Locations\n\t\t\t\t\t<\/a>\n\n","protected":false},"excerpt":{"rendered":"<p>NorthRidge has many different options to consider when you need a loan. No matter your circumstances, there is a solution! NorthRidge&#8217;s vision and purpose is to rid families in our communities of the burden of financial stress; because of this, we make loan decisions based on you as a person, not solely on your credit [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":399,"parent":117,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-382","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Other Loans - Share Secured Loans<\/title>\n<meta name=\"description\" content=\"NorthRidge Community Credit Union offers additional types of other loans, including share secured, general secured, consolidation and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dev.wafishermn.com\/nrccu\/loans\/loans\/other\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Other Loans - 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