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Personal loans and lines of credit

Discover the path to financial empowerment. These cost-effective and convenient loan options are designed to fit your financial circumstances and can help you fund a vacation or purchase, consolidate your debts, and streamline your financial responsibilities.
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Benefits of personal loans and lines of credit

With a UCU personal loan or line of credit, you'll be on your way to financial freedom. A personal loan or line of credit offers the convenience of having funds readily available for various needs, whether it's covering the cost of home renovations or a vacation, helping build an emergency fund, or consolidating existing debt.

  • Pay interest only on what you use. Pay a low APR* on your monthly balance -- and if you don't use your personal line of credit, it won't cost you a dime.
  • There are no restrictions on using your personal loan or line of credit.
  • Easy access to your money with digital banking.
  • Competitive variable and fixed APR.
  • Up to 0.50% APR discount on personal loans -- 0.25% when you sign up for auto pay1 and 0.25% for repeat borrowers.2
  • Repayment term options are available on personal loans.
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Benefits of personal loans and lines of credit

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Benefits of personal loans and lines of credit

Options to fit your needs

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Personal loans

Enjoy security, freedom, and funding with a personal loan. Secure extra funds with low interest rates.

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Personal loans
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Consolidation loans

Shrink your debt payments immediately! Debt consolidation helps you roll your debt into a single loan with an easy monthly payment. 

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Consolidation loans
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Personal line of credit

You have convenient, revolving purchasing power. A revolving balance that a personal line of credit offers may be the right choice for you.

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Personal line of credit

Frequently asked questions

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Calculators

Calculators

The more you know, the better prepared you are to make great choices for yourself and your family. Crunch the numbers for monthly budgets, retirement and more. 
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Learning Center

Learning center

Access dynamic and interactive tools. Gain a wealth of knowledge on subjects such as 529 plans, college financing, mortgages, and estate planning.  
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Blogs

Blogs

Master topics ranging from HELOCs and loans to credit scores, and credit cards. Search for your favorite categories and find out how to take your next steps. 
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Giving our University Communities a financial advantage
University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.

*APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, as applicable) and may be higher than the lowest rates advertised.

 

1Rate with Automatic Payment from a University Checking Account may be discounted by 0.25% APR as long as the rate does not fall below 9.13%. Credit Cards, HELOCs, and mortgages are excluded.

 

2Repeat Borrower discount of 0.25%.

Credit Cards

Discover the versatility of UCU's credit cards, whether you're looking to build your credit, earn rewards, or enjoy cash back perks.

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Student Loans

Take your education to the next level with a student loan from UCU. Student loans are available for both undergraduate and graduate students.

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