Private Student Loans

Let us help you pay for college to achieve your dreams. Apply with us today! *View Terms and Conditions

Variable Rate

6.38%–10.46% APR

(with autopay View Conditions for Autopay Discount)

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Why Borrow With Us?

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Borrow What You Need

Borrow up to $40,000 per year, with a maximum of $60,000 in undergraduate loans or $150,000 in graduate loans.


15 Minutes & Done

Complete your entire application online in under 15 minutes.

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0.25% Interest Rate Reduction

Set up recurring monthly payments and enjoy a reduced interest rate.

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Cover Your Education Costs

Use your loan for any qualified educational expense including tuition, room & board, books, and even computers.

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Manage Your Loan

Our online portal lets you check your balance, make payments, and access your account anytime — day or night.

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Flexible Payment Options

Multiple in-school payment options to select from, including interest-only and $25.00/month payments.

Are You Eligible?

In addition to North Bay Credit Union's underwriting criteria, you must also meet the following eligibility requirements:

  • You've reached the age of majority in your state.
  • You have a cosigner applying with you.
  • You and your cosigner are US citizens or permanent residents.
  • You're enrolled at least half-time at an eligible school.
  • You have a GPA of at least 2.0.
  • You meet the Satisfactory Academic Progress standards as defined by your school.
  • You're a member of North Bay Credit Union (or willing to join during the online application process).
Have a Question? 888-549-9050 Monday to Friday: 9:00 AM - 8:00 PM ET