inspiring our members to achieve financial success

Secured & Student Loans

Get the Loan You Need with a Secured Loan
Have you been denied a loan due to lack of credit history or poor credit?

A Share (Savings) Secured Loan, or Certificate Secured Loan, is secured by the funds in your Share Savings Account or Share Certificate.  By borrowing against your savings, you can establish new credit or re-establish credit by paying off the balance of your secured loan.

Perhaps you have established credit and want to pay a lower interest rate? Use the money in your account to get one of our lowest loan rates available.

  • No Credit Check Available
  • Great way to Establish and Build Credit
  • Continue to Earn Interest on your Savings
  • One of our Lowest Loan Rates Available
  • Get Cash for any Purpose

Apply Online or from your mobile device with the Oxford FCU app, or call 800.991.9219

The Oxford Federal Credit Union Smart Option Student Loan by Sallie Mae
For borrowers attending degree-granting institutions. Now you can pay for college the smart way with three great repayment options and competitive interest rates! The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.

To learn more or apply, please get started here.

The Smart Option Student Loan features:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provides even more flexibility
  • No origination fees and no prepayment penalty
  • Rewards and interest rate reductions available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosignor may help you qualify and/or receive a lower rate
  • 100% US-based Student Loan Specialists

To learn more or apply, please get started here.

Oxford FCU is compensated by Sallie Mae for the referral of Smart Option Student Loan customers