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SEIU Personal Loan
Reduce debt once and for all
Check your eligibility without impacting your credit score.
In partnership with
OVERVIEW
Simplify your life with one monthly payment
Now you can reduce debt once and for all! The SEIU Personal Loan can help you pay off your high-rate credit card balances.1
This program is supported by First National Bank of Omaha personal loans, giving SEIU members access to trusted lending and competitive options tailored to their needs.
Consolidate debt and take control of your financial future with the SEIU Personal Loan- Choose loan amounts from $5,000 up to $35,000
- Save on interest with Fixed For Life APR personal loan rates of 13.99% to 18.99%2 depending on creditworthiness
- Take advantage of a 0.25% interest rate discount with AutoPay enrollment2
- Flexible loan terms range from 36 to 72 months3
These fixed personal loan rates ensure predictable payments that help members budget confidently over the full loan term.
BENEFIT DETAILS
The SEIU Personal Loan Program helps simplify your life with one consistent monthly payment
Get consistent monthly payments and a competitive rate
No surprises with a low Fixed For Life rate—your rate will range from 13.99% to 18.99% APR2—and will never change for the length of the loan.
Save on interest with an AutoPay discount
With an exclusive SEIU member 0.25% interest rate reduction with AutoPay enrollment, you can save on interest over time.2
Be free of hidden fees
Pay zero origination or application fees. And there’s no prepayment penalty or hidden fees with your SEIU Personal Loan.
How much could you owe after 5 years?5
How does $0 sound? For instance, if your debt balance is $15,000 and your existing APR is 15.99%, you could still owe $10,036 in 5 years. But if you made payments on an SEIU Personal Loan at 15.99% APR for 5 years, your debt would be paid in full!3
This program, backed by First National Bank of Omaha personal loans, is designed to help SEIU members eliminate debt faster and more affordably.
HOW TO GET THIS
How to apply for your personal loan
Before You Apply
Before submitting your personal loan application, you should be able to answer YES to the following statements:
YES, I understand that checking my eligibility for this loan will be a soft credit pull and FNBO will perform a hard inquiry if you choose to accept a loan offer and funds are disbursed on your loan.
YES, I have received, reviewed, and agree to the general terms
(Key Information on your loan for debt consolidation) that will apply to my loan. The specific term of your loan (APR, Payment, and Term) will be established and disclosed during your application process.
How To Apply
- Make sure you’re signed in to your SEIU Member Benefits account. Have your personal banking information in hand to help you complete the application process.
- Click on the “See Your Personalized Results” above. You will be redirected to the online application.
- Complete the required fields and submit your application.
FAQs
Have questions? See answers to frequently asked questions below.
Fill out the application online. Once you determine your eligibility, if we can identify your creditors we will pull that list into the application for you to select from. You choose which ones you want the money sent to, verify your balances, account numbers, and provide payment addresses through the easy online process.
Fill out your application online. Our goal is to provide applicants an immediate decision on your loan. In certain situations, we may need more information from you or need additional time to process the application.
Our goal is to provide applicants a quick decision within the online application process. If more information is needed, a link will be provided to return to the application.
Additional Information
1. This Loan cannot be used to pay for postsecondary educational expenses or tuition, or to consolidate postsecondary education loans. Exclusions and limitations may apply.
2. Your Fixed For Life APR will be established during the application process and will be in the range of 13.99% Fixed For Life APR to 18.99% Fixed For Life APR, depending on your creditworthiness. Please note that all applicants may not qualify for the lowest rate. The lowest rate may not be available for the term chosen. You may receive a 0.25% interest rate discount by enrolling in AutoPay. To qualify, you must set up automatic payments from a checking or savings account at the time of loan origination. When you enroll in AutoPay, a rate as low as 13.74% Fixed For Life APR may be available, depending on your creditworthiness. See the Key Information on your loan for additional details.
3. Your repayment terms will depend on your APR and loan term for which you qualify. Example: On a 15.99% Fixed For Life APR loan you will have (1) 36 monthly payments of $35.15 per $1,000 borrowed; or (2) 48 monthly payments of $28.34 per $1,000 borrowed; or (3) 60 monthly payments of $24.31 per $1,000 borrowed; or (4) 72 monthly payments of $21.69 per $1,000 borrowed. Your APR will be in the range of 13.74% Fixed For Life APR (if you are enrolled in AutoPay) to 18.99% Fixed For Life APR, depending on your creditworthiness. See the Key Information on your loan for additional details.
4. If a credit report is requested, an applicant will be informed of whether or not a credit report was requested and of the name and address of the consumer reporting agency that furnished the report. By agreeing to these terms, you are also authorizing FNBO to verify your employment, income and other relevant information.
5. Examples are for illustrative purposes only and are based on revolving debt payments with a 15.99% APR and assumes making minimum payments of 2% of balance with beginning balances totaling $15,000, compared to making on-time SEIU Personal Loan payments of $364.69 at 15.99% Fixed For Life APR for 60 months and $15,000 beginning balance. Your savings may be less based on your actual APR and loan terms.
By applying for the consumer loan, you understand and agree that all disclosures and other important documents related to the consumer loan that are required by law will be provided to you in English only. If you are unable to read and understand the English language, it is very important that you seek the assistance of a trusted, qualified person who can translate these disclosures and important documents for you.
Loans are made and serviced by First National Bank of Omaha (FNBO®).
