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.
Compare Personal Loans
Personal Loans
Perfect for: larger, one-time purchases like furniture or a furnace
Enjoy a fixed rate and fixed payment, with terms up to 60 months. Your loan is paid off in a defined amount of time.
Share-Secured Loans
Perfect for: short-term borrowing needs
Your rate is determined by adding 2% to the current savings rate, with terms up to 60 months. Borrow up to 100% of the available funds in your savings account, and as the balance is repaid, those funds become available for use again. Your money stays on deposit and continues to earn dividends, though it won't be available for withdrawal.
Certificate-Secured Loans
Perfect for: short-term borrowing needs
Your rate is determined by adding 2% to the existing certificate rate, with a maximum term equal to the certificate's maturity date. Borrow up to 100% of the certificate value, while your 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.
Safeguard Against the Unexpected
Payment protection is a service that protects your family members should the unexpected happen. In the event of involuntary unemployment, disability, and even death, this service may cancel your loan balances or payments.
For additional protections, Life Plus can extend your payment protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances in case of:
- Accidental dismemberment
- Terminal illness
- Hospitalization or family medical leave
- Death of a non-protected dependent
To enroll, please call a member service representative at (888) 858-6878 today!
Filing a Claim
In your time of need, our claims process is quick and easy. If you have already elected payment protection on your loan, you can use the convenient claims process to quickly and easily file your insurance claim.
Need a little breathing room?
Unexpected expenses happen. With Skip-a-Loan, you can skip up to two payments during the life of an eligible auto or personal loan—or one eligible Visa Platinum Rewards card payment within a 12-month period. A $25 fee applies, and skipping an eligible payment won’t affect your credit standing.
Interested in skipping a payment?
Please call us at (888) 858-6878 or visit a branch for assistance with your Skip-a-Loan request.
Refer your family and friends
You'll both get $50 when they open an account. Refer up to 10 friends and receive $500!
Membership at Pacific Service Credit Union is subject to all terms, conditions, and eligibility requirements applicable to membership and account ownership. Visit the following webpages for complete membership eligibility and current rates. Some restrictions apply. Membership requires the opening of a primary savings account with a minimum balance of $5.00.
Rates and terms 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.
Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
TruStage is the marketing name for the TruStage Financial Group, Inc. its subsidiaries and affiliates. © TruStage
Skip-a-Loan payment: Members can skip non-consecutive loan payments twice during the life of the loan for vehicle and personal loans, and once in a twelve-month period for Visas. A $25 fee (FINANCE CHARGE) will apply for each loan payment skipped. The fee must be paid in advance by check or automatic withdrawal from your checking, savings or money market account. Loans with co-signers can only be processed upon receipt of a signed agreement by all parties to the loan. Home equity loans, home equity lines of credit, including no-cost refinance, consolidation loans and certificate-secured loans are ineligible for Skip-a-Loan payment. Loan must be current and opened six months with good payment history to be eligible. Other restrictions may apply. See Terms and Conditions. The interest on the loan continues to accrue, and all other terms and provisions remain unchanged. Your deferred payment(s) plus any additional accrued interest will be paid at the maturity of your loan.