Affordable Personal Loans
USC Credit Union is proud to be a place of trust. We understand how difficult it can be to find a personal loan, especially when you need some financial breathing room. That’s why we’re here to help you achieve financial well-being, one step at a time. Consolidate debt, pay for home improvements, or make a major purchase –– USC Credit Union’s personal loan products meet your needs and fit your budget.
About USC Credit Union
When you become a member of USC Credit Union, you benefit from the many perks of our community-focused approach to banking. From creating access through competitive rates, to financial education resources, we are dedicated to delivering responsible, affordable deposit and lending products to help you achieve financial well-being.
Personal Loans
At USC Credit Union you’ll find a thorough selection of personal loans, including unsecured, secured, lines of credit, and more. A personal loan allows you to borrow money for almost any purpose, typically with a fixed term, a fixed interest rate, and a regular monthly payment schedule. Collateral is usually not required unless you choose the secured option.
Since USC Credit Union operates on a not-for-profit model, we exist to serve our members, not shareholders, which means better rates and benefits for you. Here, you’ll find everything big banks offer but with a more personalized touch.
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Decide if a Loan is Right for You
Loans can be intimidating, and as a credit union we feel a personal duty to inform our members about their best loan options. We’ve seen our community grow and change for almost 50 years, adapting every step of the way and helping members like you understand the loan process. Every situation is different, so talk to us to see which path works best for you.
Prepare for Success
Ask yourself how much you need for the loan and set realistic expectations for monthly payments. Our personal loans can be secured for terms from 6 months to 72 months, with rates as low as 10.74% and up to 12.49% APR. For example, the monthly payment for a 12-month loan of $1,000 at 10.74% would be $107.4, so the total paid over 1 year would be $1,107.4. Your actual payment may vary, but rest assured that a USC Credit Union loan officer will help you choose the loan that best fits your needs.
USC Credit Union is Here to Simplify Your Financial Journey
Ready to apply? Start your loan application here. If you want more information and would like to speak to one of our knowledgeable member specialists, schedule an appointment here. To make the process easier and faster, be sure to gather your required documentation, such as recent paystubs.
Personal Loan1
For members who want to finance purchases or consolidate high rate debt
A personal loan can be used for anything you choose. Ideal for non-homeowners or those who prefer not to borrow against their homes, unsecured personal loans can be set for a fixed-term (so your payments are always the same) or for an open-ended term (up to an approved limit). A personal loan can help you finance big purchases, make home improvements, and even consolidate high-rate debt into one easy monthly payment.
Personal Line of Credit
Used to fund unexpected expenses or for ongoing projects or needs over a long period of time
Tackling a home improvement project or dealing with an unpredictable expense? A Personal Line of Credit could be the perfect solution for you. Convenient online access, instant, ongoing funds for your goals and since you only pay interest on the money you borrow, it’s a great option for whatever life throws your way.
Share-Secured Loan1
Use a deposit for your borrowing needs
Use your funds on deposit at USC Credit Union as collateral to secure a low-cost loan. The amount you pledge will be frozen and released as you make payments.
What You Need to Apply
An Account with USCCU
Your Financial Information
If you’re not a current member, you can still apply for a loan. Once you're approved for your loan, we’ll start your membership process for you. You must become a member of USCCU to receive your funds. Check to see if you’re eligible for membership.
We will need information about your current income to gauge your eligibility and ability to afford the monthly loan payments.
Call (877) 670-5860 or make an appointment
It was comforting to know I had the support of my USC family during one of my worst times. When my father passed away unexpectedly and I needed to finance a trip to El Salvador, USC Credit Union expedited my loan request and handled my situation with compassion.
Noel
As an extension of the Trojan family, the USC Credit Union represents a commitment to support that is lifelong and worldwide. They always provide great service and competitive rates. When I purchased my first home, they were very knowledgeable and made the entire process easy.
Juana
I rely on the USC Credit Union for all of my financial needs. I received outstanding care and assistance when I refinanced my home loan and purchased my car. I always know I can depend on their competitive rates and service that is sincere and personable.
Tom
We put your financial success in your hands.
Whether you’re applying for a personal loan, line of credit or a share-secured loan, we are honored to partner with you to make the process as easy as possible.
Call (877) 670-5860
1Annual Percentage Rate (APR) is effective as of 1/2/25, is based on creditworthiness and underwriting factors, and is our best rate. Proof of income may be required at the time of loan funding. Monthly payment per $1,000 for 12 months at 10.49% is $107.4. This payment example is for illustration purposes only. Your actual payment may vary. Interest rates currently vary from as low as 10.49% to 12.49% APR with terms ranging from 1 to 6 years. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms, and conditions are subject to change without notice.