It's difficult to say what the easiest credit union to get a personal loan with is, because credit unions typically do not disclose a minimum credit score requirement for approval. However, in general, credit unions are more likely than banks to work with bad credit. Some credit unions may also offer secured personal loans, which are easy to qualify for but require collateral. But many credit unions will require secured loans to be secured by money in a bank account, so they're more for building credit.
To get a personal loan from a credit union, you must be a member. Most credit unions only accept people who live, work, go to school, or worship in a certain geographical area or who belong to certain companies or organizations. Your best bet is to call local credit unions for which you are eligible and ask if they will consider you with your current credit score. There are also a number of national credit unions that anyone can join that you may want to consider, such as Navy Federal CU, First Tech FCU and Alliant CU.
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