Makeover Loan

The MakeOver Loan is an unsecured product that is tailored to let you give yourself a little gift.

  • Need new furniture? – MakeOver
  • Need a weekend away? – MakeOver
  • Need to pay down the credit cards? – MaKeOver
  • Need new appliances? – MakeOver

The MakeOver is especially popular because it’s short term and low interest.   Use it however you want!

Borrow to $25,000 for up to 5-yers at a rate as low as 7.99% APY.

Call us at (973) ASK XCEL then Option 2 or you can even apply through our free mobile app!

APR=Annual Percentage Rate.  Other terms and conditions are available.  You must qualify for this rate.  This offer may be withdrawn at any time for any reason.  All rights reserves.  You must be a member of XCEL Federal Credit Union.  For information on membership, please call us at (973) ASK XCEL then Option 6.


Effective June 4, 2018, XCEL's Federal Plaza & Call Center will be open Monday - Friday from 9am - 5pm ET. The Journal Square branch will have the same hours EXCEPT for Thursdays where we will be open from 9am - 6pm ET. Sorry for the inconvenience and we appreciate your membership!