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.

Whatever your plan is, make it happen with:

  • Financing from $500 to $30,000.
  • Rates as low as 2.50% + 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.

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

Personal loan options to make it happen

  Signature Loan Savings Secured Certificate Secured Line of Credit7
Rate Fixed rate as low as 10.79% APR1, 3, 6 Fixed rate as low as 3.95% APR1, 2, 6 Fixed rate as low as 2.50% APR + Certificate Rate1, 4, 6 Fixed rate as low as 10.79% 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 sum 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  Loan amounts up to 95% of the available certificate balance  $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
  Apply for a
Signature Loan
Apply for a
Share Secured Loan
Apply for a
Certificate Secured Loan
Apply for a
Line of Credit

Debt Protection for Unsecured Signature Loans and Share Secured Loans

Life, Disability, or Involuntary Unemployment Claim? We are here to help!

In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you
can use this convenient claims process to quickly and easily file your claim.

To begin, please fill out a claim form at https://myclaimportal.cunamutual.com/link/contract?ContractNumber=10409604.

If you prefer, call 1.800.621.6323 to begin the process and a CUNA Mutual Group Claims Specialist will guide
you through the process.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Payment protection products include debt protection products available through the credit union

Running tight on funds? Consider Skip a Pay for relief:

  • CU SoCal allows Members to skip a payment for any non-Real Estate CU SoCal loan for a $25 fee as long as the following requirements are met:
  • At least 18 payments have been made on the loan.
  • A payment on the selected loan is not presently more than 10 days past due.
  • A payment on the selected loan has never been more than 30 days past due.
  • The selected loan has not had more than three occurrences of payments which were 11-30 days past due.
  • A payment on the selected loan has not been skipped within the past year.
  • The loan payment being skipped is $75.00 or greater.
  • Other requirements may apply.

    To skip a loan payment, simply complete our Skip A Loan Payment form and drop it off at your nearest CU SoCal branch, mail it to P.O. Box 76000 Anaheim, CA 92809, or fax it to us at 714.990.5492.

Make it happen.

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

Get started

Hear from others like you who made it happen.

This credit union is very good. I appreciate the rates I get with any loans I receive. Any time I call the bank with questions, every representative is very helpful.

Alora, La Habra

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Frequently Asked Questions (FAQs) for Personal Loans

Technically, you can, but a personal loan isn’t a great option for purchasing a home or making a down payment in most cases. Instead, you’ll generally be much better off with a traditional mortgage.
Yes, it is possible to buy a car with a personal loan. However, because personal loan interest rates tend to be higher than auto loan rates, buying a car with a personal loan is not always an ideal solution. More often than not, a traditional auto loan will be the far better option. Learn more.
From building credit to consolidating debt, personal loans can be financially advantageous. However, they can also lead to more debt and can negatively affect your credit score if you aren’t careful.
Although it's possible to get a personal loan with bad credit, people with bad credit should expect to pay a higher interest rate and fees to get the loan. Credit unions have more flexible lending requirements than banks, making it easier to get approved for a personal loan even with bad credit.
Of all the factors determining your ability to borrow, credit score is one of the most important. While there's no specific minimum credit score needed for a personal loan, you will get a better interest rate with a higher score.
Personal loans come in a wide range of amounts, from $1,000 up to $100,00. However, those are extremes. Most lenders offer personal loans somewhere in the middle. The dollar amount of your personal loan will depend on several factors including your income and credit score.
Yes, you can. Whether you’re looking to lower your monthly payment, get a lower interest rate, or reduce your loan term, refinancing your personal loan could be a good option. However, you’ll likely pay some fees, which may include a prepayment fee on your original loan. Note that CU SoCal does not charge prepayment fees on any loans.
Getting approved for a personal loan depends on several factors, such as the lender's requirements, your credit score, and the application process. In some cases, you might be approved for your personal loan the same day you apply; in others, it could take as long as a week.
There are two types of personal loans, unsecured and secured. An unsecured loan doesn’t require the borrower to pledge any collateral to secure the loan. A secured personal loan requires an item of value (such as a car or house) or a savings account be pledged as collateral to “secure” the account.
Money borrowed through a loan is not income, and therefore not taxable or tax deductible. So, for the most part, the interest paid on personal loans is not tax deductible. However, there are certain scenarios that allow for personal loan interest to be deducted on your taxes (e.g., business expenses, taxable investments, etc.).
A personal loan will indeed affect your credit, but whether a personal loan will improve your credit score or not depends on your ability to meet your monthly payments and eventually pay off the debt in full. As long as you make your monthly payments on time, and in full, that personal loan will help build your credit score. However, making late payments or stopping payments altogether will harm your credit score, whether for your personal loan or on other debt that you have.

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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, Riverside 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.


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