If there are issues using a screen reader on this site, please call 316-219-5197 during normal business hours.

Personal Loans

OnSpot Financing

Financing for your medical services and retail purchases.

  • Easy Application
  • Fixed Interest Rate
  • No Hidden Fees
  • Low Monthly Payments


Financing Wherever You Are

Sometimes you need extra cash when you least expect it. Credit Union of America is here always here for you with OnSpot Loans. We’ll help you afford things right on site at local retailers, doctors, dentists, etc.

It’s Easy to enroll

The enrollment process is quick and easy, and in most cases can be completed online using our electronic signature service.

Enroll Now

Benefits of using Credit Union of America

  • Fast approvals
  • Fast funding
  • Easy to do business with us
  • Competitive rates
  • Local branches
  • Knowledgeable and friendly staff
  • No monthly fee to Credit Union of America
  • Easy to join Credit Union of America
Estimated Monthly Payment Table
Amount 12 24 36 48 60
$1,000 $89 $48 $34    
$1,500 $134 $71 $50    
$2,000 $178 $95 $67    
$2,500 $223 $118 $84    
$3,000 $267 $142 $100    
$3,500 $311 $165 $117    
$4,000 $356 $189 $133    
$4,500 $400 $212 $150    
$5,000 $445 $236 $167 $132  
$7,500 $667 $354 $250 $198  
$10,000 $889 $471 $333 $264 $223
$12,500 $1,111 $589 $416 $330 $279
$15,000 $1,333 $707 $499 $396 $334

*These are estimated payment amounts based on an Annual Percentage Rate (APR) of 13% and the loan amounts and terms presented above. Your actual payment amount, frequency, interested rate, APR, term and fees will vary depending on, among other things, your credit worthiness, the loan type and the loan amount. You will have a chance to review your interest rate and payment amount before signing.

Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment. You can then examine your principal balances by payment, total of all payments made, and total interest paid. Press the report button to see a monthly payment schedule.


Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.