Personal Loans

Need flexible cash?

Here at PSECU, we call our personal loans “Signature Loans”. Our personal loan options are a fast, convenient, and affordable way to borrow money and can meet many needs - from planning a wedding or scheduling a once-in-a-lifetime vacation to consolidating high-interest debt or paying off medical expenses. We offer both a personal loan and a line of credit. Learn which option is best for you.

Signature Plus Line of Credit

Advance funds as you need them.
Two advance options (fixed or variable rate)
You’ll receive a quick decision and receive loan funds in your account within days, if approved.

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Signature Loan

Get all the cash upfront.
One fixed rate throughout repayment.
You’ll receive a quick decision and receive loan funds in your account within days, if approved.

Learn more

Get Maximum Flexibility with our Signature Plus Line of Credit

Our Signature Plus Line of Credit gives you quick and easy access to the cash you need, when you need it. It's designed to fit your budget, allowing you to choose from two advance types when you need money - fixed rate advances or variable rate advances.

	Fixed Advances	Variable Advances
Rate	Rate is fixed at the time of advance and is based on the Prime Rate plus a margin.	Rate is the Prime Rate plus a margin
Minimum Advance Amount	For terms of 12, 24, or 36 months the minimum is $1,000.00; For a term of 48 months the minimum is $6,000; For a term of 60 months the minimum is $8,000.	No minimum advance amount.
Limits	You may have three fixed advances with outstanding balances at one time (up to your available credit limit).	No limit (up to your available credit limit)
Benefits	Your rate won't change for the duration of the fixed advance balance.	Advance as little or as much as you need (up to your available credit limit)
Advance Fees	None	None

Current Rates

Valid as of 07/7/2022 7:36 AM EDT
Description	Rates as low as	Minimum Advance Amount
Signature Plus Line of Credit Variable Advance	7.99%	$0.00
Signature Plus Line of Credit Fixed Advance	7.49%	$1,000.00

Rates "as low as" 7.49% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. The APR for variable advance(s) and fixed advance(s)will be equal to the Prime Rate, plus a margin, as published in the last issue of the Wall Street Journal on the last day of before the current calendar month. Fixed advance(s) are determined at the time of the advance. The minimum line of credit advance for a fixed rate advance is $1,000 with a maximum 36-month repayment term; $6,000 to obtain a maximum 48-month repayment term; $8,000 to obtain a maximum 60-month repayment term. Limit of three fixed rate advances outstanding at one time. There is no required minimum line of credit advance amount for a variable rate advance and no limit on the number of variable advances. All advances are subject to available credit and can only be made up to your approved credit limit. The maximum line of credit amount is $20,000. The monthly payment may vary. The maximum APR is 18%.

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Why choose a Signature Loan?

If you need a large chunk of cash all at once, a Signature Loan can help you get it. With amounts from $1,000 to $20,000, they are:

Fast: You'll receive a quick decision and get the loan funds in your account within days, if approved.
Affordable: Payments range from $100 to $400 per month.
Accessible: A signature loan is an unsecured loan, meaning you don't have to pledge anything, like a car or a home, as security.

Our simple repayment plan depends on the amount you borrow.

Monthly Payment	Original Loan Amount	Loan Term*
$100.00	$1,000.00 to $5,000.00	11-79 Months
$200.00	$5,000.01 to $10,000.00	27-79 Months
$300.00	$10,000.01 to $15,000.00	37-79 Months
$400.00	$15,000.01 to $20,000.00	42-79 Months

Current Rates

Valid as of 07/7/2022 7:36 AM EDT
Description	Rates as low as
Signature Loan	7.49%

*Rates “as low as” 7.49% APR and assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Unsecured loan amounts available from $1,000 to $20,000. Actual loan term and monthly payment amount will vary based on approved loan amount. Payment example: A loan amount of $10,000 will have a loan term of 61 months and monthly payment amount of $200 at 7.49% APR. Rates, terms, payments amount, and loan amount are subject to change.

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