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Market USA Federal Credit Union

Flexible financing for life's to-do list.

Whether you're facing unexpected expenses, planning a special purchase, or looking to consolidate debt into one manageable monthly payment, a personal loan can help you keep up.

Borrow
up to $30,000

Repayment terms
up to 60 months

0.50% discount for having a qualifying Rewards1 relationship with Market USA

0.25% discount with automatic monthly payments

Rates
as low as 8.99% APR1

Easy
online application

Tackle Life's To-Do List with Flexible, Affordable Financing

From surprise expenses to major purchases or debt consolidation, our Personal Loan gives you the financial breathing room you need - so you can stay in control and keep moving forward with confidence.

Looking at Buy Now, Pay Later? Think again.

While it seems convenient, Buy Now, Pay Later often comes with hidden fees, high penalty rates, tight repayment schedules and may affect credit scores. With our personal loans, what you see is what you get.

Feature Market USA Personal Loan Buy Now, Pay Later Services
Fixed monthly payments Yes Often variable
Lower interest rates Competitive APRs Can exceed 35% APR
One-time, flexible use Use for anything Often tied to a vendor

Apply for a Personal Loan

  • Fixed terms & clear costs
  • Helps build credit responsibly
  • Choose repayment terms that suit you
  • Larger funds available compared to By Now, Pay Later
  • Save money with lower rates and better terms

Skip-a-Payment2 on your Market USA personal loan twice a year for a minimal fee. Simply log in to Online Banking or our Mobile App, select "Skip a Pay" from the Tools menu, and follow the prompts.

Real life, real solutions

 

Unexpected car repairs or medical bills? Covered.

 

Planning a wedding or dream vacation? Go for it.

 

Carrying high-interest debt? Consolidate and save.

Apply for a Personal Loan

Have a question?

How would you like us to contact you?

Not a member yet?

Becoming a member is easy and opens the door to all our products, including our free High-Rate VIP Checking Account. If you're connected to one of our Select Employee Groups (SEGs), or related to an existing member, you can join simply by opening a $5 Membership Savings account. Not part of a SEG? No problem! You can still become a member by making a $5 donation to the Market USA Cares Foundation during the new account opening process. Joining us means you’re part of a community that’s here to help you achieve your financial goals.

Open an Account

About Market USA

Market USA Federal Credit Union is a full-service financial institution that has been dedicated to serving its members since 1953. Originally founded to support the employees and families of Giant Food, we’ve since expanded our charter to offer membership to a wider community. With branches in Maryland and South Carolina, and nationwide access through the Shared Branch Network, we are committed to helping our members achieve their financial goals. Enjoy competitive rates, fewer fees, free digital financial management tools, and valuable financial education when you join. Let us help you make the most of your financial journey.

1Annual Percentage Rate (APR) current as of 7/1/25. Rates are based on an evaluation of each applicant's credit. Your actual rate may vary. Rate includes a 0.25% discount for automatic payment and an additional 0.50% discount for enrolling in eStatements and one of the following: (a) direct deposit of at least $500 per month and an active Market USA checking account or (b) at least $25,000 on deposit. Payments at 8.99% for 12 months are approximately $97.83 per month.

2A minimal processing fee per loan will be charged to your savings or checking account based on your monthly payment. Interest will continue to accrue on unpaid loan balance. To qualify for an extension, loan must be open for at least 90 days and in good standing. Certain restrictions apply. Call for details.