other loans
Need to build or rebuild your credit? Need a new appliance or furniture? Money for legal expenses? BlueOx Credit Union has a variety of financing options for every purpose and situation.
credit builder loan
Do you need to establish credit or improve your existing credit? Consider a credit builder loan, which acts as a “starting block” or a restart for those who may have difficulty qualifying for loans given their current circumstances or past difficulties.
The loan employs a multi-step approach and includes financial counseling by our staff to ensure positive progress. The first step involves a loan of $1,000 for a twelve-month term*. Although borrowers may be tempted to pay it off early, we recommend continuing to make payments for 12 months to establish a good pattern of on-time, full payments. Then, once the first loan is repaid, the second step is a loan of up to $2,000 at a lower interest rate. This time, the term can be extended up to 24 months. Once these steps are completed successfully, borrowers will likely have the ability to obtain other types of loans at very competitive interest rates.
share or certificate pledge loan
Another option for building credit or simply securing a loan at a competitive interest rate is a Share or Certificate Secured Loan. Members can pledge funds already on deposit in a Share Account or Certificate as collateral to secure their loan at a competitive interest rate.
commercial real estate loan promotion
Build big. Dream even bigger. For a limited time, we're offering as low as 6.49% APR** on commercial real estate loans up to $2,000,000! Whether you're an investor, realtor, or business owner looking to expand your footprint, this is your chance to secure competitive financing with a local partner you can trust.
youth loan
Youth loans are a great way for young adults to obtain financing, build credit, and establish a relationship with BlueOx Credit Union. Available to young people under age 18, youth loans may require a qualified co-signer who is an immediate family member or guardian.
You may also stop by any of our branches or call a Member Service Representative at (800) 648-8035.
*Rates shown are meant to serve as examples, not as an offer. For details, contact us at (800) 648-8035. Rates are subject to change without prior notification. Payment Example: 18.00% APR for 12 months equals $91.73 for $1,000 borrowed. 15.00% APR for 24 months equals $97.04 for $2,000 borrowed.
**Promotional Annual Percentage Rate (APR) as low as 6.49% is available for new commercial real estate loans up to $2,000,000. Actual rate may vary based on creditworthiness, term, collateral, and other underwriting criteria. Loans exceeding $2,000,000 may be subject to participation with other lenders, and different terms may apply. Loan origination fee of 0.50% of the total loan amount applies. Additional third-party fees may apply, including but not limited to title, appraisal, and environmental fees. Membership eligibility is required with BlueOx Credit Union or any division of Ignite Credit Union. A share account must be opened or maintained at closing. All loans are subject to full credit approval and other underwriting requirements. Application must be submitted by September 30, 2025, and the loan must close by December 31, 2025. This offer may be modified or withdrawn at any time without notice. Other terms, conditions, and exceptions may apply. For more information, give us a call at (800) 648-8035.
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