PERSONAL LOANS
Funds that fit your life, whatever comes your way.
Whether you’re planning a dream vacation, covering unexpected bills, or consolidating high-interest debt, we have you covered with personal loan options designed to work for you.
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Simple, fast application process
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Quick access to funds
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No application fees
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Build or improve credit with on-time payments
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Convenient payment options: online, mobile app, telephone, in-person, or by mail
Which Personal Loan Is Right for You?
*APR = Annual Percentage Rate. Qualified borrowers may receive a 0.75% APR reduction on eligible consumer loans with a minimum loan amount of $2,500. Offer excludes credit cards, indirect loans, mortgages, home equity loans, and Home Equity Lines of Credit (HELOCs). New loans only. Refinances of existing Public Service Credit Union loans are not eligible. A qualifying direct deposit with a minimum amount of $800 must be established prior to or within 30 days of the time of loan funding. Qualifying direct deposits include payroll, pension, or government benefits. Transfers between accounts do not qualify. All loans are subject to credit approval, membership eligibility, and program requirements. Rates are based on creditworthiness, term, collateral, and amount financed. Promotion is subject to change or end without notice. Federally insured by NCUA. Equal Housing Opportunity.
Frequently Asked Questions
What personal loan options does PSCU offer?
PSCU offers several personal borrowing options, including fixed-rate personal loans, personal lines of credit, Next Gen lines of credit for first-time borrowers, and pledge loans secured by PSCU savings.
What can I use a PSCU personal loan for?
A PSCU personal loan can be used for many personal expenses, including travel, medical bills, education costs, unexpected expenses, or debt consolidation. Borrowers receive a set loan amount and repay it over time with predictable monthly payments.
What is the difference between a personal loan and a personal line of credit?
A personal loan provides a set amount of money with fixed payments over a defined term. A personal line of credit gives approved borrowers access to funds they can draw from as needed, with interest charged only on the amount borrowed.
What is PSCU’s Next Gen Line of Credit?
The PSCU Next Gen Line of Credit is designed for first-time borrowers who want to start building credit. It offers a smaller credit limit, lets borrowers pay interest only on what they use, and can be accessed through online or mobile banking.
What is a PSCU pledge loan?
A PSCU pledge loan lets members borrow against their PSCU savings. It can be used to build or rebuild credit while using savings as collateral, with access to held funds becoming available as the loan is repaid.