Personal Loans

Fast, convenient, affordable loans give you the cash you need.

Why choose a Signature Loan?

Here at PSECU, we call our personal loans “Signature Loans.” They are a fast, convenient, and affordable way to borrow money. 

Everyone needs flexible cash flow sometimes. We understand. Whether you’re planning a wedding, a once-in-a-lifetime vacation, looking to consolidate higher-interest debt, making home improvements, medical expenses, or home renovations, a signature loan can help.

 

Our Signature Loans are: 

  • Fast: You’ll receive a quick decision and receive loan funds in your account within days, if approved. 
  • Affordable: Payments ranging from $100 to $400 per month.
  • Accessible: A Signature Loan is an unsecured loan. That means you don’t need to pledge anything, like a car or a home, as security.
  • Flexible: Borrow any amount from $1,000 to $20,000.
 

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 05/19/2022 12:12 PM EDT 
Description Rates as low as
Signature Loan 6.74%

*Rates “as low as” 6.74% 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 59 months and monthly payment amount of $200 at 6.74% APR. Rates, terms, payments amount, and loan amount are subject to change.


Get Even More Flexibility with Our Signature Plus Line of Credit

Like our Signature Loan, our Signature Plus Line of Credit offers quick and easy access to the cash you need. But it gives you even more flexibility with two rate advance options. You choose the one that best fits your budget.

Fixed Advances Variable Advances
Rate Rate is fixed at the time of advance and is based on the Prime Rate plus a margin. 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
Limits 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 will not 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 05/19/2022 12:12 PM EDT 
Description Rates as low as Minimum Advance Amount
Signature Plus Line of Credit Variable Advance 6.74% $0
Signature Plus Line of Credit Fixed Advance 6.24% $1000

Signature Plus: Rates "as low as" 6.24% 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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