More flexibility for what’s next.
From everyday purchases to life’s bigger expenses, you’ll find ways to spend, borrow and stay on track.
Options that fit your plans
Personal Loans
Payment Protection
Annual percentage rates (APR) as of September 9, 2026 and are subject to change without notice. Collateral protection insurance is required to obtain any secured loan. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. For current information, please call a member service representative at (888) 858-6878.
Visa: APR is variable and ranges between 10.75% and 15.75% and is based on creditworthiness at the time of application. After that, the rate will vary with the market based on the Prime Rate. Cash advances and balance transfers do not qualify to earn reward points. Use of points is subject to ScoreCard Rewards Terms and Conditions. Complete Visa Card Account Agreement and Truth-in-Lending Disclosure.
Rewards: Cash advances and balance transfers do not qualify to earn reward points. Use of points is subject to the ScoreCard Rewards program Terms and Conditions. Visit the ScoreCard redemption site for complete details.
Personal loans
Rate, maximum term and loan amount may vary based on credit qualifications. Quoted rate assumes a 0.25% APR discount for borrowers who maintain an automatic payment from their Pacific Service Credit Union checking account. Personal loan may not be used to refinance an existing PSCU loan. Representative example: Pay $31.80 per month per $1,000 borrowed for 36 months at 8.99% APR.