Personal loans
Reach your financial goals sooner with a personal loan. Use the funds to cover expenses, pay down debt, or take that vacation you've been dreaming of.
Simplify your life with a personal loan
- Borrow as little as $500
- Get your money in a convenient lump-sum payment
- Enjoy a fixed APR* and consistent monthly payments
- Choose the ideal timeline to make your repayments
- Get up to a 0.50% APR discount1
Personal loan features
- Competitive, fixed APR
- Various repayment terms available
- Receive all your money upfront
| Interest Rate | Terms |
|---|---|
| As low as 9.49% APR | Up to 60 Months |
What personal loans are for
- Paying down or consolidating your debt
- Covering unforeseen expenses like car repairs and health care bills
- Paying for a vacation, wedding, or another event
Getting started is easier than you might think
You can complete the whole loan process anytime, anywhere!
Step 1
Fill out our easy online application.
Step 2
UCU reviews your application.
Step 3
Once approved, your funds will be directly deposited into your account
Frequently asked questions
- What can I use my UCU Personal Loan for?
A UCU Personal Loan is a flexible tool you can use for anything you like! You'll need to give some indication of what you plan to use the funds for in your application. Once you get loan approval, you can use all the funds for that single purpose or keep some aside. Apply today.
- How can I access my UCU Personal Loan funds? Once approved, your UCU Personal Loan funds will be available in your University Checking Account or via a check. You can easily access your funds and monitor your payments and balance through mobile and online banking.
- What interest rates will I get for my UCU Personal Loan? UCU Personal Loan interest rates are given in the form of an APR. The APR you get will be based on your credit score. The term you choose may also affect the rate you're offered. To view our rates, click here.
- What will my UCU Personal Loan monthly payment be? Your monthly payment will depend on your loan amount, your APR, and your term. A shorter-term means a higher monthly payment while a longer-term means a lower monthly payment (but you'll pay more interest over the life of the loan). Once you've finalized your loan details, your monthly payment will stay the same until the loan is paid off in full and this makes budgeting much easier. Learn more about budgeting and financial wellness today.
- Will a UCU Personal Loan boost my credit score? Yes, as long as you make your payments on time every month, a UCU Personal Loan is a great way to build credit! Track your credit score with our Credit Journey tool.
- Should I get a UCU Personal Loan or a personal line of credit? Both a UCU Personal Loan and personal line of credit are useful ways to access funds quickly and easily. So it's up to you to decide which one best suits your situation! A personal loan gives you a lump sum payment upfront, which is great if you have a particular expense in mind or want to use your personal loan as a debt consolidation loan. A UCU Personal Line of Credit is similar to a credit card. You get a limit on how much funds you can access and you're free to use as much or as little of the funds as you want. Your monthly payments will vary depending on how much of your credit you use. You only pay interest on what you use, too.
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University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.
University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.
*APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, as applicable) and may be higher than the lowest rates advertised.
1Rate with Automatic Payment from a University Checking Account may be discounted by 0.25% APR as long as the rate does not fall below 9.74%. Credit Cards, HELOCs, and mortgages are excluded. Repeat Borrower discount of 0.25% can also be applied based on minimum 6 months of positive UCU loan repayment history.
Personal Line of Credit
Pay interest only for funds you actually use with a UCU Personal Line of Credit.
Learn more about Personal Line of Credit Consolidation Loans
Combine your debt into one monthly payment with a competitive interest rate with a consolidation loan.
Learn more about Consolidation Loans Find a location near you
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