We offer 24/7 online loan applications and loan documents delivered to you electonically.  You can sign them electronically and send them back.  Contactless and easy!

AND No Payments for 90 Days on all qualified consumer loans! 

ESFCU Board of Directors has taken action to put into place loan programs that will help those who are in financial need during this pandemic.  Please contact an ESFCU loan officer for more details.

1. COVID Skip Payment Program. This program will help those members who have been laid off or unemployed due to the pandemic.  Members may skip up to 3 payments (approved on a month to month basis). This program applies to all consumer loans, credit cards and HELOC loans. This is not part of our Holiday Skip a Payment program. 

In order to qualify for the Skip-a Payment program, your loan(s) must be in good standing.  ESFCU skipped payments are subject to approval under ESFCU policies.  You may request to skip up to 3 loan payments per loan. Deferral requests will be evaluated on a month to month basis.  All processing fees will be waived.  Some restrictions may apply. 

Interest will continue to accrue on your account and extends the term of the loan.  If you have a Total Loss Claim on your vehicle and have purchased Guaranteed Auto Protection (GAP) coverage, a skip a pay may reduce my GAP coverage by the amount of your monthly payment plus any skip pay fee.  (Please contact your ESFCU loan officer for specific details).

 2. People Helping People Loans.  These special, low interest loans are designed to help those who might find themselves out of work with no pay due to a layoff or reduction of hours. 

$3,000 maximum loan amount.  No payments for 120 days.  Rates as low as 3.00% *APR. 

Apply Now

Some restrictions may apply. New Money Only.  *APR (Annual Percentage Rate) determined by each members's individual creditworthiness at the time of each advance.


It's the perfect time to purchase that camper or RV.  Maybe even a boat. . .
Vacation 2020 might look a little different than you thought it would but what
could be better than finding a place to park by the lake and enjoying the outdoors!
Loan rates have just gone down on your camper/RV or boat purchase!

Appy Now


At Emporia State Federal Credit Union, we provide solutions for your dreams.  Whether you need cash for a home, a car, a boat, a vacation, or any other big purchase, ESFCU offers competitive rates on the right loan to make your dreams a reality!

Take advantage of:

  • Our New Easy Online Loan Application at esfcu.com
  • Our quick Pre-approval process
  • Our Docu-sign product that let’s you take care of the paperwork electronically

Consumer Loans

Our approach to loans is a little unorthodox. It’s more important to us that you get the best deal - whether we can provide it or not. All we ask? Check with our loan staff first - give us a chance to show what we can offer.    

  • New and used vehicles 
  • Campers/RVs/Boats
  • Credit cards
  • Vacations
  • Signature loans
  • Taxes
  • Education
  • Debt consolidation
  • Overdraft protection

Borrowing from the credit union is like helping the business you own to succeed. And because our members own the credit union, we can offer some of the lowest loan rates around.

Apply Now

Important Notices:  Rates listed are the best qualifying rates.  *APR = Annual Percentage Rate.  Rates on future advances will be determined by each member’s individual creditworthiness at the time of each advance.  APR may vary according to creditworthiness.  All rates apply to new money only.  All interest rates are subject to change without notice.  Maximum terms listed. Federally Insured by NCUA.