Apply for a Personal Loan

Start Your Application

Welcome! It's easy to join PSECU and apply for a loan. See how you're eligible.

Before you begin 

Before you start your application, here are a few things you need to know:

  • Allow at least 20 minutes to complete this process.
  • You can save and resume this application later, if needed.
  • To apply online, you must be at least 18 years old and have a current U.S. mailing address and Social Security number (SSN).
  • When you apply for a credit or loan product with PSECU, you authorize us to check your credit history. 
  • This credit or loan product application includes a PSECU membership and credit or loan product. Already a member?

You’ll also need the following information for both yourself and any joint account applicants:

Valid form(s) of identification including: driver's license, state ID, military ID, or passport

Gross annual income and source(s) of income

Previous home address if you have lived at your current home address less than two years

A $5 minimum opening deposit to a PSECU savings account establishes your credit union membership. 

Credit Application FAQs

Yes. Because we are a member-owned credit union, you must be a member in order to have a loan with us. However, joining is fast and easy. 

To simplify things for you, this application also includes a PSECU membership request.

If you apply for a credit card online or by phone, we may give you an answer within a few minutes. However, we sometimes need extra information before we can make a decision. 

Due to more complex information-gathering requirements for personal loans and home equity loans/lines of credit, expect to be notified within several days.

You can check your status by resuming your application. We’ll also notify you of our decision typically within several days of your application. You can also give us a call. Reach us Monday-Friday, 8 a.m. to 9 p.m. (ET), and Saturday, 9 a.m. to 5 p.m. (ET), at:

  • 800.237.7328, nationwide (USA)
  • 717.255.1760, outside the USA; not a toll free number; normal charges apply

Yes! A co-applicant, if applicable, must apply with you. We’ll need current identification, and income and contact information for both of you. 

If you want to add an authorized user, you can do that, too. An authorized user is someone whom you allow to use your credit card account but who isn’t a legal account owner .

Keep in mind that in order to add an authorized user to your credit card account, you need to be the primary cardholder. In the case of a business credit card, your company’s account manager can also be an authorized user.

Once you’re approved, your card should arrive by mail in 7 to 10 business days. 

U.S.A. Patriot Act Identity Verification Notice

Important Information About Procedures for Opening a New PSECU Account

To help our government fight the funding of terrorism and stop money-laundering activities, Federal law requires all financial institutions, including PSECU, to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, Taxpayer Identification Number (TIN) (usually your Social Security Number) and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying document(s). The law requires us to maintain records of the identification verification and periodically update this information.

Please be assured that the same strict confidentiality of your information maintained by PSECU will be continued as required under the Gramm-Leach-Bliley Privacy Act and PSECU's Privacy Policy.

PSECU is not a credit reporting agency Members must have PSECU checking or a PSECU loan to be eligible for this service. Joint owners are not eligible.