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Personal Loans

Go. See. Do.

Low Rate Personal Loans
Go, see and do things that you’ve been putting off. With our low rates, flexible terms and simple approval process, personal loans offer easy access to low-cost cash. You can also use personal loans to pay for life events like babies, higher education and weddings. If you already have a personal loan with another lender, chances are you can reduce the rate and payment by refinancing with Pacific Service Credit Union in Northern CA.

Borrow from Yourself at Low Rates
We'll let you in on a little secret...borrowing from yourself makes good sense. With share- and certificate-secured loans, you can borrow against the funds on deposits at incredibly low rates.

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Personal Loans Share-Secured Loans Certificate-Secured Loans
Perfect for: Larger, one-time purchases like furniture or a furnace Short-term borrowing needs Short-term borrowing needs
Rates: Fixed-rate, fixed payment Rate is determined by adding 2% to the current savings rate Rate is determined by adding 2% to the existing certificate rate
Terms: Terms up to 60 months Terms up to 60 months; as the balance is repaid, the funds become available for use Maximum term is the maturity date of the certificate
Additional terms: N/A Borrow up to 100% of the available funds in your savings account Borrow up to 100% of the certificate value
Payment: Loan is paid off in defined amount of time Funds remain on deposit and continue to earn dividends, but are not available for withdrawal Funds remain in the certificate and continue to earn dividends

Get Started
Apply online or call one of our member service representatives at (888) 858-6878. You can also visit one of our six CA branch locations in Concord, Clovis, Fresno, Livermore, Pleasant Hill, and San Ramon to learn more.

Personal loans may not be used to refinance an existing Pacific Service CU loan.
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