Personal Loans
Features
Personal loans are short-term and designed for a purchase, debt consolidation, car repairs, tuition, or any other productive need. Terms are available up to 36 months.
Loan Rates
Rates effective as of 10/1/2025
| Type | APR* |
|---|---|
| Share Secured - 100% | 5.50% |
| Unsecured Signature Loan | as low as 12.75% |
| Visa Loan - Variable Rate | as low as 13.25% |
| New & Used Vehicles** | as low as 4.50% |
**Loan rates are quoted as the lowest available. Actual rates based on NADA retail value, credit score, model year, term, and down payment. PCU offers rates as low as 4.50% for 24 months, 4.75% up to 36 months, 5.00% for 48 months, 5.25% up to 60 months, 6.00% up to 72 months or 7.00% up to 84 months. (84-month term available on new vehicles. Minimum $40,000 loan.)