We know a little extra cash can go a long way.

Whether you're looking to purchase a new laptop for school, book that family vacation, or build your credit, a CU SoCal personal loan can help you make it happen.

Why savvy consumers choose us to make it happen:

Generous limits up to $30,000
No prepayment penalty
No loan application fee
No funding fee

Whatever your plan is, make it happen with:

  • Financing from $500 to $30,000.
  • Rates as low as 2.00% + Share Certificate Rate.1, 2, 6
  • Terms up to 120 months for the lowest possible monthly payment.
  • Line of credit option for access to funds when you need it.
  • No application fee.
  • No prepayment penalty.
  • No funding fee.
  • Optional loan payment protection.

Personal loan options to make it happen

  Signature Loan Savings Secured Certificate Secured Line of Credit7
Rate Fixed rate as low as 9.24% APR1, 3, 6 Fixed rate as low as 3.95% APR1, 2, 6 Fixed rate as low as 2.00% APR + Certificate Rate1, 4, 6 Fixed rate as low as 9.24% APR1, 5, 6
Quick Summary Unsecured loan that does not require any collateral Loan that uses your savings account as collateral Loan that uses your certificate account as collateral, with one lump payment due at the maturity of the certificate Unsecured personal line of credit accessible by ATM, Online Banking, Mobile Banking, Phone Banking, mail, in person, or with overdraft protection
Payment Period Up to 60 months Up to 120 months Up to maturity of certificate Revolving
Minimum Loan Amount $500 $500 $500 $500
Maximum Loan Amount $30,000 Loan amounts up to 95% of the available savings account balance ($30,000 maximum) Loan amounts up to 95% of the available certificate balance ($30,000 maximum) $30,000
Consider if You need a lump sum loan that doesn't require any collateral You prefer to borrow against the funds in your savings account in exchange for a lower rate You prefer to borrow against your certificate account rather than incur penalties for early withdrawal You need access to extra funds that can vary in frequency and amount

Soak up the savings.

There's no fee to switch your credit card and loan balances to a low 1.99% fixed promotional APR for 12 months.

Learn More

Make it happen.

If you live, work, worship or attend school in Los Angeles County, Orange County, or San Bernardino County, we can make your plans a reality.

Get started

Help + Support

Building Better Lives

Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offers competitive rates and flexible terms on auto loans, mortgages, and VISA credit cards—turning wishing and waiting into achieving and doing.

562.698.8326 | 866 CU SoCal Se Habla Español

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