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Personal Loans

Whether you’re planning a vacation, consolidating debt, upgrading your home, repairing your car, or covering unexpected expenses, a PCMCU Personal Loan can help! We offer flexible loan options for all reasonable borrowing needs, including life’s big moments and surprises.

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Personal Loans

Choose the loan that best meets your needs.

Signature Loan

An unsecured loan that can be used for any reasonable borrowing request. 

  • No collateral requirement
  • Quick funding
  • Rates typically lower than credit cards

Savings Secured Loan

Secured by a savings account or certificate. The same dollar amount you borrow will be put on hold in your account for the term of the loan.

  • Keep your money in your savings
  • Lower loan interest rates

Home Improvement Loan

Make improvements to your home without using your home or its equity as collateral.

  • No mortgage or collateral requirement
  • No closing costs
  • Terms up to 15 years
  • Borrow up to $25,000

Kwik Cash Loan

A line of credit that gives you flexible access to funds. Borrow what you need, when you need it, up to your approved credit limit.

  • Minimum monthly payment of $15.00 or 2% of the outstanding balance, whichever is greater
  • Can be used as overdraft protection for a checking account

Payment Protection Plan

Protect yourself and your family when you borrow. There are two types of credit insurance available to you when you take out a loan at PCMCU. Please contact us for details, as some restrictions apply.

Credit Life Insurance

  • Protects your family and estate by paying your loan balance if you or a co-borrower dies.
  • Premium amount based on loan size and term.
  • Insurance amount based on outstanding loan balance.

 

Credit Disability Insurance

  • Makes your loan payments if you are unable to earn a regular wage because of an accident or illness.
  • Protects your credit rating.
  • Protects you against repossession.