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.
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 |
| Description | Rates as low as | Minimum Advance Amount |
|---|---|---|
| Signature Plus Line of Credit Variable Advance | 11.49% | $0.00 |
| Signature Plus Line of Credit Fixed Advance | 10.99% | $1,000.00 |
Rates "as low as" 10.99% 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%.
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:
| 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 |
| Description | Rates as low as |
|---|---|
| Signature Loan | 7.99% |
*Rates “as low as” 7.99% 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 7.99% APR. Rates, terms, payments amount, and loan amount are subject to change.
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