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BORROW
Whatever your financial goals, Nikkei offers flexible credit and loan options to support you every step of the way. We make borrowing simple with competitive rates, flexible terms, and fast, friendly service.*
VEHICLE
PERSONAL
HOME
HELOC
VISA®
VEHICLE LOANS
Ready for a new ride? A Nikkei Vehicle Loan offers low rates, flexible terms, and optional protection like Guaranteed Auto Protection (GAP) and Mechanical Breakdown Protection (MBP) to help keep you covered.
Our vehicle loans are available for¹:
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New or Used Vehicles
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Motorcycles
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Recreational Vehicles (RVs)
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Refinance
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Lease Buyout
Call 866.4NIKKEI or 888.MABUHAY to speak to a Loan Representative for details.
No-contact delivery is also available through Car Scouts, our free Car Buying Service!
PERSONAL LOANS
When life calls for a little extra, a Nikkei Personal Loan can make it easier. Consolidate debt, cover unexpected expenses, or fund that next big purchase — all with fixed rates, flexible terms, and no collateral required.
Competitive rates and quick approvals mean you can focus on what matters most.
Call 866.4NIKKEI or 888.MABUHAY to speak to a Loan Representative.
HOME LOANS
Fixed, FHA, VA, Home Equity Loans and More
Buying a home is a big moment — and we’re here to help you every step of the way. Nikkei offers a wide range of mortgages, including Fixed, Adjustable and Home Equity Line of Credit (HELOC). We also partnered with Rocket Mortgage®³ to expand our mortgage options to include FHA and Home Equity Loans. Whether you’re buying your first home, upgrading, or refinancing, we’ll help you find the right loan for you.
Complete the form below and we'll reach out to guide you through your options.
Nikkei home buying specialists are eager to help you with your home loan process - and we're here to help make your new house a home!
Contact a Home Loan Specialist at 866.4NIKKEI ext. 1900 or 888.MABUHAY ext. 2300 to apply today!
HOME EQUITY LINE OF CREDIT (HELOC)
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A Home Equity Line of Credit offers a practical, cost-effective way to borrow by using your home’s built-in value as collateral. Instead of taking out a traditional loan, a HELOC provides ongoing access to funds during your draw period so you can use what you need, when you need it.
Whether you’re upgrading your home, managing tuition, consolidating debt, or preparing for life’s unexpected moments, a HELOC gives you the flexibility and confidence to move forward.
VISA CREDIT CARD
Low Fixed Rates, No Annual Fees
Keep things simple with a Nikkei Visa® Credit Card. Enjoy low fixed rates starting at 13% APR, fair credit limits, and worldwide acceptance wherever you see the Visa logo. It’s an easy, secure way to manage your everyday purchases and unexpected expenses.⁴ Nikkei's Visa protects every swipe, click or tap you make with Verified by Visa.
Call 866.4NIKKEI or 888.MABUHAY to speak to a Loan Representative.
SHARED SECURED LOANS
Build credit and borrow with confidence using a Nikkei Share Secured Loan. Use your existing savings as collateral while it continues to earn dividends. It’s a smart, low-cost way to access funds, improve your credit, and reach your financial goals — all while keeping your money working for you.
Call 866.4NIKKEI or 888.MABUHAY to speak to a Loan Representative.
¹Vehicle Loans. Qualified vehicles financed up to 110% LTV.
²Home Loans. Investment properties only in CA.
³Rocket Mortgage, LLC is a licensed mortgage lender. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Please see Rocket Mortgage for terms and conditions regarding Rocket Mortgage products. NMLS # 3030.
⁴Visa Credit Card. APR for purchases, cash advances, and balance transfers ranges from 13.00% to 18.00% based on creditworthiness; Visa® Platinum APR may be as low as 13.00%, and the actual APR is determined at account opening. There is no annual fee. A 3% fee applies to cash advances and balance transfers. A $30.00 late payment fee applies if payment is received 10 days or more after the due date. A $30.00 over-the-credit-limit fee applies each billing cycle in which your new balance exceeds your credit limit. APR = Annual Percentage Rate. Terms and conditions subject to change; other restrictions may apply.
*All Loans. APR= Annual Percentage Rate. Granting of loan subject to approval. Member's FICO Score (or credit score) will determine the category for the maximum amount, term, and interest rate. All rates are subject to change by the Board of Directors without prior notice. Other loan terms and conditions will be disclosed prior to funding a loan. All loans subject to verification of equity, credit approval, FICO credit score, and income qualification. Not available for brokered loans. We are an Equal Housing Lender and governed by the National Credit Union Administration (NCUA). Other terms and conditions may apply, see Credit Union for details.