Personal Loans Designed for Your World
No collateral. Just straightforward financing with easy 3-year terms and flexible payment options1,2—designed for members living abroad who need convenient access to funds3.
You're eligible!
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Need to enroll in online banking?
Answer a few quick questions to get the enrollment process started!
How to Apply
- Login to your Online Banking
- Under the ‘Loans’ tab, select ‘Personal Loan & Credit Card’ or 'Personal Loan'
- Follow the steps fill out the form and select "Personal Loan" when prompted
Frequently Asked Questions
An international loan is an unsecured loan with competitive rates tailored for members living outside the U.S. It provides quick access to funds for almost any need—weddings, home improvements, debt consolidation, emergencies, and more. This loan does not require collateral, and you do not need to have a Social Security Number or credit history in the US.
All loans are subject to credit approval, OAS FCU lending policies, and eligibility verification.
You can apply online through our secure portal via Online Banking or our Mobile app. Prefer face-to-face? Visit one of our branches for personalized assistance.
A full credit inquiry is part of the final approval process to understand your creditworthiness. While this may cause a small, temporary dip in your score, it’s usually minor and short-lived. What truly impacts your credit is missing payments or applying for multiple loans in a short period. Staying on top of your payments and applying thoughtfully helps keep your credit healthy. International Loans are approved based on employment verification and membership history rather than a U.S. credit score.
No—you don’t need to be living in the U.S. or be a citizen to apply. Our loan programs are available to eligible members living in the U.S. or abroad. Just remember—vehicles, sustainability-related and energy-saving projects, and homes financed must be located in the U.S. All loans are subject to OAS FCU membership eligibility and applicable regulatory requirements.
New to OAS FCU?
No problem! Become a member and apply for your loan as soon as you’re approved.
Disclosures
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Annual Percentage Rates (APRs) are variable and based on the Wall Street Journal Prime Rate, to which we apply a margin. Rates depend on income verification, repayment capacity, and other qualifying factors, and may increase after the loan is opened. Your actual rate and terms will be disclosed at the time of approval.
Repayment example:
For a $1,000 loan with a repayment term of 36 months (3 years) at an APR of 17.25%, the monthly payment would be approximately $35.80. This example does not constitute a credit offer. The APR will not exceed the maximum permitted by applicable law. For current rate information, please visit our Rates page. -
Skip-a-payment options are subject to eligibility and approval is not guaranteed for every request. Members may skip up to two non-consecutive payments per calendar year, available only after the loan has been open for at least six months. For vehicle loans, a maximum of six skipped payments are permitted over the life of the loan. A fee will be charged for each skip request, please refer to the Fee Schedule for details. Interest will continue to accrue, and deferring payments will extend the loan term and increase total interest paid. Skipped payments may impact Guaranteed Asset Protection (GAP) coverage; if applicable, see your GAP agreement for details.
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Availability of loans without a Social Security Number (SSN) or U.S. credit check applies only to eligible members not in the US who meet OAS FCU’s alternative verification standards. Proof of income and identity are required, and other eligibility criteria may apply.