Velocity Loans

Whether it’s something you need or something you want, we offer loans for just about anything. While we have loans for traditional purposes such as buying a car or remodeling your home, we also make loans for other reasons, including adoption fees, elective surgery, or bill consolidation. We also offer loans for life’s little surprises – whether it’s emergency pet surgery, unexpected auto repair, or a sudden family crisis, we’ve got you covered. Plus, a Velocity Loan has low fixed rates, and convenient ways to make payments.

Velocity Mastercard Credit Card - No Fees. Apply Now.

Apply nowHome Equity & Improvement

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 with no closing costs. More... about home improvement loans.


Apply nowPersonal

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 medical bills piling up, Velocity has a loan that’s right for you. More... about personal loans.


Apply now **Home Mortgage

TurnKey Mortgage 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... about home mortgages.


Apply nowENERGY STAR® Loan 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, please visit


Apply nowNew & Used Car

Velocity offers financing on a wide range of new and used automobiles and light trucks. New cars can often be financed with little or no down payment, depending upon credit qualifications. And we finance used cars and trucks up to 10 years old. (Please see our Rates page for complete disclosures.) More... about vehicle loans.


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 your purchases. More... about other loans.


Apply Now Secured Loans

Velocity offers share secured loans, which can be a good first step in establishing or rebuilding credit.

With a Share-secured installment loan (minimum of $500), you pledge your savings (share) account balance — equal to the amount of your loan — as collateral. The loan proceeds can be used for any purpose you like.


Apply nowCredit Card

We are a credit card issuer of Platinum Mastercards, regular or with ScoreCard® rewards program. These reward points can be combined with your Velocity debit rewards program points. More... about credit cards.


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

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