Personal Loans

NEA Personal Loan® (Less than $5,000)

Get fast access to the money you need with a personal loan up to $5,000

Sign In to Check Eligibility

In partnership with


Get convenient and fast access to the cash you need now, even with less than ideal credit

Use the cash to pay bills, make auto repairs, handle emergencies or for anything you choose.

  • Loan amounts of $500 up to $5,0001 with no application fees or pre-payment penalties
  • You can build your credit history as you repay the loan
  • Finish the application in minutes and you can receive funds quickly, often in 24 hours or less2
  • Online access to your FICO® score—complimentary with your account3

how it helps

Build your credit history while managing life’s expenses

Convenient, Fast Cash

Borrow up to $5,0001 to pay off bills and other expenses quickly. You don’t need collateral and there are no application or processing fees.

Easy Account Access

Manage your account online and get complimentary access to your FICO score online.3

Build Your Credit

You can build your credit history while repaying your loan. You can even repay early—with no pre-payment penalties.

How It Works

Find your personal loan today

  1. Make sure you’re signed in to your NEA Member Benefits account and click the “Find Your Loan Offer” button.
  2. You’ll be taken to the CreditShop website and prompted to answer a few simple questions to determine if you quality for a loan. This won’t impact your credit score!
  3. If you have any questions, please sign in to your NEA Member Benefits account to access the NEA Personal Loan member service phone number (under the “Find Your Loan Offer” button) and a member service representative will be happy to help you.

Other available products

Terms & Conditions

1. NEA Personal Loans generally range between $500-$5,000. Borrowers should refer to their loan agreement for specific terms and conditions.

2. If you accept a loan before 1:00 p.m. CT, Monday-Friday, the funds should be in your bank account the next business day. If you accept a loan after 1:00 p.m. CT, Monday-Friday, the funds should be available the 2nd business day after loan acceptance. If you accept a loan anytime Saturday or Sunday, the funds should be available the following Tuesday. All these dates are subject to your bank’s policies. Also, if the day of funding falls on a bank federal holiday, the funds will likely be available the following business day.

3. FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries. Your FICO Score is based on data from TransUnion and may be different from other scores. It generally takes about 2 months after account opening for your score to become available via the customer account portal; and it will only appear if your score is available.

The NEA Personal Loan® is provided by First Bank & Trust, Brookings, SD, Member FDIC, and serviced by CreditShop.