Skip nav to main content.
Personal Loans

Get the Money You Need for the Goals that Matter to You

Liberate yourself with Raiz Federal Credit Union personal loans in Texas. Transform your high expenses into manageable payments with the best personal loan around. Whatever your needs, from an unexpected expense to debt consolidation, Raiz is a reputable lender right here in El Paso.



Feel empowered to take care of your expenses and know that you have the ability to finance what's important to you.


Terms Up to 84 Months

Get a monthly payment plan that works with your budget. With Raiz Federal Credit Union, you can choose a plan that fits your needs, with competitive rates and loan terms of up to 84 months.

No Collateral Required

Why risk your home, car, or other valuable assets? A collateral-free, unsecured loan from Raiz offers you the financial freedom you need to pursue your dreams with some of the most competitive personal loan rates in El Paso.

Loan Amounts Up to $50,000

Whether it's for a small purchase or a large project, debt consolidation, or an unexpected expense, we can help you finance the loan amount you need with a personal installment loan.

Use for Any Purpose

With a personal loan, get the financial support you need for what matters the most to you like home improvement projects or unexpected costs.

As low as


Personal Loan Payment Calculator

Monthly Payment

Term (Months)
No Collateral Required

No Collateral? No Problem! You Can Still Qualify for a Personal Loan.

We know life is about taking risks, and we want to help you make your dreams a reality. Unlike a secured loan or home equity loan, our collateral-free loans offer the financial freedom that's needed for all types of adventures without risking your assets.

Why Choose Raiz?

Our financial experts are some of the best, but really our motivation is you. Here is what we are doing today to reach a brighter tomorrow.


We work hard to make your money work for you. Reap the benefits of our innovative products and services that provide you with high dividend checking accounts, low interest on loans, and great rates on savings and retirement accounts.


Your money never sleeps, and neither do we. Raiz members have 24/7 access to digital banking and an online support chat available to help with all your banking needs.


We don’t just want to help you manage your money, we want you to thrive! Raiz provides free, award-winning online courses that cover an array of topics for every stage of your life.

Start your financial journey today.

Rising up our community is what drives us forward. We dedicate our time, funds, and resources to organizations and initiatives that are committed to making a difference.

How It Works

Get a loan to meet your financial needs in a few simple steps.

  • 1

    Apply Online

    Apply online or visit one of our branches to fill out an application.

  • 2

    Get Approved

    We will review your application and quickly notify you of your approval.

  • 3

    Receive and Use Funds

    Once approved, use the funds to finance your personal goals.

Apply online now

Have a question?

We’re happy to help you every step of the way!

Chat with us

Start live chat

Chat live with a team member who can quickly help answer your question.

Call us


Give us a call directly; we’re here to help you every step of the way.

Meet with us

Schedule an appointment

Schedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.

Personal Loans

Make Your Goals Reality with a Personal Loan.

Get the cash you need to do what's important now and in the future, with flexible repayment options that work for you. Choose Raiz personal loans in El Paso, TX - and take control of your goals today.

  • 1

    APR¹ = Annual Percentage Rate. ²Loan Example: A $2,500 Loan at a rate as low as 5.99% APR will result in approximately 24 payments of $111.00. Offers ends December 31, 2023. Subject to credit approval. Not all applicants may qualify. Equal opportunity lender.

Start live chat!

Alert: Raiz holiday hours Learn More