Loans you can use for just about anything.

At Velocity, we offer loans you can use for just about anything. Whatever it is - buying a car, remodeling your house, or finally getting that special something you've always wanted - chances are we have a loan that's right for you.

We also offer loans for unexpected things, too. Things like adoption fees, elective surgery, bill consolidation or dream vacations. Plus, a Velocity Loan often makes a lot more sense than using a credit card. And with fixed low rates and scheduled payments, you'll have that loan paid off in no time.

Apply nowNew & Used Car Loans

We specialize in auto loans. For both new and used cars, we work with you to make sure your loan fits your budget, and help you get the lowest rate possible. And since we’re Austin-based, you can save time at participating local car dealers by financing through us. More...

Apply nowPersonal Loans

Velocity's personal loans can be used for just about anything. Whether you need to consolidate your debt, help with adoption fees or you have some medical bills that are piling up, Velocity has a loan that’s right for you. More...

Apply now **Home Mortgage Loans

You can count on us to help you get the home you want. Our wide range of home financing and refinancing loan options include 15- and 30-year fixed rate and adjustable rate mortgage loans. More...

Apply nowHome Equity & Improvement Loans

Put the equity you've built-up in your home to work with a home equity loan. With low closing costs* and great rates, you can use a home equity loan for important things like college tuition, debt consolidation, computers or even a vacation. Our low rates and easy application procedures are also ideal when considering home improvement. Loans are available for new pools, kitchen remodeling, or additions -- many available at no closing costs. More...

Apply nowENERGY STAR® Loan Program by Austin Energy

Velocity Credit Union is the exclusive lender for Austin Energy's Home Performance with ENERGY STAR® program. This program offers Home Energy Loans with an exceptionally low APR to finance many kinds of energy saving home improvements. This can include installing energy efficient air conditioning and heating systems, adding attic insulation, caulking and weather stripping, solar screens and more. Most residential customers of Austin Energy who own homes are eligible to apply.

To read more about this special Austin Energy program and other exciting programs, please visit

Apply nowOther Loans

Didn’t find the type of loan you are looking for?  Then it’s probably here.  Velocity offers other loans for items such as  motorcycles, boats, travel trailers and simple loans for buying items like furniture, computers or appliances. These loans allow you to avoid the high interest rates offered at retail stores. We also have relationships with select merchants to offer our consumer loans to you when financing you purchases. More...

*Velocity will pay up to $500 towards closing costs.
** Velocity does not receive any compensation for providing links to SWBC.