The Royal Credit Union is a personal loan from Royal Credit Union. Application typically pulls a hard report from TransUnion. The ongoing APR is 24 Month 8.99%; 36 Month 8.99%; 48 Month 8.99%; 60 Month 8.99%; 72 Month 10.49% (rate shown is lowest possible rate; current as of 09/01/2026). Loan terms: 24 Month to 72 Month.