Personal Loans
Whether you’re consolidating debt, planning a dream wedding, or covering unexpected expenses, our personal loans offer competitive rates and flexible terms to suit your unique needs. With a straightforward application process and personalized support, we’re here to help you achieve your financial goals—because we believe your story matters.
Personal Loans That Fit Your Life
No matter your financial need, Public Service Credit Union has a personal loan option to help. Whether you're looking for flexibility, a predictable monthly payment, or a way to consolidate debt, we’ve got you covered.
Debt Consolidation Loan
Juggling multiple payments? A Debt Consolidation Loan can help you combine high-interest debts into one easy payment with a lower rate—so you can save money and pay down debt faster.
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Lower your interest rate and simplify payments
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Flexible terms up to 72 months
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No balance transfer fees or hidden costs
Fixed-Rate Personal Loan
Want a one-time lump sum with a fixed monthly payment? A Fixed-Rate Personal Loan is great for planned expenses like home projects, medical bills, or major purchases. No surprises—just a straightforward loan with a set term and rate.
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Borrow up to $40,000
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Fixed rates and terms up to 72 months
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No collateral required
Need ongoing access to funds? A Personal Line of Credit gives you the flexibility to borrow what you need, when you need it. Perfect for covering unexpected expenses, big purchases, or just having a financial safety net.
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Borrow up to $40,000
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Access funds anytime—only pay interest on what you use
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Reusable credit with no need to reapply
Personal Line of Credit
All loans are subject to credit approval. Qualification is based on standard underwriting criteria including credit history, income verification, and ability to repay. Rates, terms, and conditions may vary based on creditworthiness and are subject to change at any time.
Manage Your Money Anytime, Anywhere
Our accounts come with features like Early Pay, giving you access to your money up to three days sooner*, plus Mobile Deposit and Bill Pay for seamless financial management. Stay in control of your balances and bills wherever you are with Online Banking or our Mobile Banking App.
*Early Pay is a free service for all Public Service Credit Union members with direct deposit. ACH payroll can be posted up to 3 business days early, but not guaranteed. The payroll sender determines when they send the payroll files, PSCU has no control on how early payroll will come in.
