Personal Loans

Loans for anything you need.

Need a new refrigerator, want to book that cruise vacation, or just have some simple debt consolidation? We have loan options ready with you in mind.

Signature Loan

The PCU Signature loan may be the solution to your needs. A dream vacation, computer, or anything you need just a little loan for!

  • Flexible terms
  • Low rates
  • Easy process

Lifestyle Loan

Need a tattoo removal, Lasik eye surgery, or cosmetic enhancements? We can help.

  • Information is private (just as everything member/account related is private)
  • $1,000 minimum - 48 month maximum
  • PCU sends the funds directly to Doctor / Medical Facility

First-Chance Loan

If you have little to no credit we can help you build credit history with a first-chance loan.

  • Designed for members with no credit
  • $500 minimum

Credit Builder Loan

If your credit history is not where you want it to be, or if you are just starting out and need to build your credit, we created a loan for that.

  • $1,000 loan for 12 months 
  • The $1,000 loan is placed into savings as collateral
  • After 12 months you keep the cash and have an improved credit score

Rates

Account Type
Dividend Rate
APY*
Notes
Loan Type
APR* as low as
Terms Up To
Notes
Signature Loan
Dividend Rate
APY*
9.30%
-
18.00%
Notes
Signature Loan
APY*
APR*
9.30%
-
18.00%
Terms Up To
Notes
Lifestyle Loan
Dividend Rate
APY*
7.10%
-
18.00%
Notes
Lifestyle Loan
APY*
APR*
7.10%
-
18.00%
Terms Up To
Up to 48 Months
Notes
First-Chance Loan
Dividend Rate
APY*
12.70%
-
Notes

Call for Terms

First-Chance Loan
APY*
APR*
12.70%
-
Terms Up To
Notes

Call for Terms

Credit Builder Loan
Dividend Rate
APY*
14.90%
-
Notes
Credit Builder Loan
APY*
APR*
14.90%
-
Terms Up To
12 Months
Notes

The accuracy of this calculator and its applicability to your circumstances are not guaranteed. Please discuss with a PCU professional before making product purchases or loan commitments based on the results of our website calculator.

Resources

Disclosures