Loans:
Personal

Low Rate Loans Tailored Just for You

This is How You Live Life

Whether you are rebuilding your credit, going on vacation, or buying a boat, Park Community has the low-interest loans, superior service, and qualified expertise to help you on your way.


The Anything Loan

Our Anything Loan is a fantastic debt consolidation tool, a great way to take the vacation of your dreams, and a handy way to have the holiday of your dreams. Whatever reason you have for needing a personal loan, Park Community is here for you.

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Recreational Loans

Motorcycles, boats, and RVs can be a great and fun way to travel the country or just spend a day cruising around. At Park Community, we keep our rates low so you can optimize fun and relaxation.

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For Dealer Use Only: Please click here to determine eligibility.


Credit Builder Loans

The Credit Builder loan was designed to help our members establish credit. Borrow up to $1,500 for up to 12 months. Loan proceeds will be deposited into your account for 12 months to build your credit. After those 12 months, you will have access to the money and an improved credit rating.  Another option to help you build your credit is our Fresh Start Loan.  It’s structured differently and has different requirements, such as being in your current job a minimum of 2 years.

Contact us today for more information at 502.968.3681 or 800.626.2870


UPS Hypothecation (HYPO) Loans

If you’re a UPS employee who owns Class A Common Stock, you have the option to pledge your stock and take advantage of our UPS HYPO Loan. It’s faster than using the equity in your home, and you have the potential to borrow larger dollar amounts.

  • Borrow $5,000 up to $200,000 by simply using your UPS stock as collateral*
  • Your choice of a Fixed Rate Term Loan or Variable Rate Line of Credit
  • Terms up to 5 years
  • Flexible repayment options, including interest only payments*

If you’re ready to apply, visit your local branch and bring a copy of your most recent UPS stock statement.

Contact us today for more information at 502.968.3681 or 800.626.2870

*All loans subject to credit approval. Borrow up to 60% Loan-to-Value. Funding available upon receipt of verification of collateral receipt from Mellon Investor Services. Other terms and conditions may apply.


Current Personal Loan Rates

  Features Term APR
Unsecured (Anything Loan) -- up to 36 months 5.99%-18.00%
Share-Secured -- 144 months 3.50%
CD-Secured 2.0% above the rate paid or 3.50%, whichever is greater. -- Rate Varies
Unsecured Line of Credit -- -- 11.24%
Credit Builder -- 12 months 11.24%-18.00%
Fresh Start -- 12 months 11.24%-18.00%
Vacation Available May 1-August 31 12 months 5.99%-17.49%
Holiday Available October 1-January 31 12 months 5.74%-17.24%

Current Recreational Loan Rates

RV's and Boats

Models/Year Min. Loan Amount Term APR
2016-15 $2,500
$10,000
$20,000
Up to 60 months
61 - 120 months
121 - 180 months
3.99%*
4.75%*
4.99%*
2014-12 $2,500
$10,000
$20,000
Up to 60 months
61 - 120 months
121 - 180 months
4.99%*
5.74%*
5.99%*
2011-09 $2,500
$10,000
$20,000
Up to 60 months
61 - 120 months
121 - 180 months
5.99%*
6.74%*
7.29%*
2008-06 Up to 80% Loan-to-Value Up to 60 months 9.99%*

Motorcycles

Models/Year Term APR
2016-15 Up to 48 months
49 - 60 months
61 - 72 months
73 -84 months
2.29%*
2.50%*
2.95%*
3.69%*
2014-13 Up to 48 months
49 - 60 months
61 - 72 months
2.94%*
2.94%*
3.30%*
2012-11 Up to 48 months
49 - 60 months
61 - 72 months
2.94%*
3.25%*
3.25%*
2010-09 Up to 48 months
49 - 60 months
3.60%*
3.60%*
2008-06 Up to 36 months 6.99%*

*Annual Percentage Rate. Rates as of September 1, 2016 and subject to change without notice. Must qualify. Terms for secured loans based upon collateral's age, mileage, & condition at loan officer's discretion. Other terms and conditions may apply. Advertised rate includes 0.25% rate reduction for automatic payments. Loan example: $20,000 for 60 months at 2.74% annual percentage rate would yield a $357.07 per month payment or approximately $17.85 per $1,000 borrowed.

 
 
 

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