Personal Loans Detroit | PSCU | Michigan Credit Union

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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.

Simple, fast application process
Quick access to funds
No application fees
Build or improve credit with on-time payments
Convenient payment options: online, mobile app, telephone, in-person, or by mail

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Which Personal Loan Is Right for You?

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Personal Loan

Borrow a set amount, repay over time with predictable monthly payments.

Fixed interest rate
Fixed monthly payments
Borrow $500 – $40,000*
Terms up to 72 months
Great for travel, medical, education, or debt consolidation
Lower rates than most credit cards

Shopping

Line of Credit

Get pre-approved credit you can draw from anytime, then reuse as you repay.

Access up to $40,000*
Variable interest rate
Only pay interest on the amount you borrow
Ideal for emergencies, unexpected expenses, or cash flow gaps
Access funds via checks, debit card, or in person

Holding Books in the Park

Next Gen Line of Credit

Start or build credit with line of credit made for first-time borrowers!

$250 limit
Perfect for first-time borrowers
Builds credit safely
Pay interest only on what you use
Use again as you pay it back
Access through online or mobile banking
No fees to apply or keep open

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Pledge Loan

Borrow against your PSCU savings to build or rebuild credit.

Low fixed interest rate
Use your savings as collateral
Build or improve your credit
Flexible terms up to 60 months
No maximum loan amount
Access held funds as you repay
Lower rates than most credit cards

Need an account for everyday spending?

Explore our Checking Accounts to find the one that fits your lifestyle!

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