Personal Loans
Personal Loans
The freedom to own your financial future.
A little extra financial peace of mind. When that’s your need, that’s what we’re here for. USC Credit Union offers personal loans and lines of credit for any purpose, with no collateral required. And every one of them is backed by a level of personalized service and attention you won’t get anywhere else. Affordable rates. More “yes” answers.
Personal Loans for Every Need
- Enjoy a rate as low as 10.74% APR*
- Affordable alternative to high-interest loans or credit cards
- Borrow from $300 to $25,000
- Loans for any purpose, from debt consolidation to weddings
- No collateral required
- Protect your payments with optional Peace of Mind Protection
A personal line of credit (PLOC) is revolving credit with a variable rate you can tap as needed. PLOCs can help cover income gaps or large, unexpected expenses. Apply only once and when you need funds, simply take an advance by check, phone or online. You pay interest only on the money you borrow – a great funding option for whatever life throws your way.
APR is accurate as of 11.2.2024
As low as:
12.60%
When your finances need a bump, it’s not just about getting the extra funds you need. It’s also about peace of mind and knowing you made the right loan choice. Our affordable unsecured personal loans help you cover the expected and the unexpected.
- Affordable fixed and variable rates, easy terms
- Great for home repairs, remodeling or energy-efficient upgrades
APR is accurate as of 11.2.2024
As low as:
10.74%
You own shares. Let’s put them to work. As a USC Credit Union member, you can use your funds on deposit as collateral for a low-cost, savings-secured loan.
- Affordable rates
- Uses your savings as collateral
APR is accurate as of 11.2.2024
As low as:
3.05%
A good certificate of deposit (CD) can pay nice dividends. You just need to give it the time to mature. Did you know that while you’re waiting, you can use USC Credit Union CDs as collateral for a low-cost certificate-secured loan?
- Affordable rates
- Uses CDs as collateral
APR is accurate as of 11.2.2024
As low as:
6.00%
When life happens and you need cash fast, our Instant Loans are here for you – even if you don’t have perfect credit. That’s because at USC Credit Union, we base loan approvals on your relationship with us, not credit bureaus.
- Borrow $300 – $800 at 19.50% APR1
- $10 application fee1
- Instant 60-second funding available!
APR is accurate as of 11.2.2024
As low as:
19.50%
Instant Loans are just that – instant! Even if you don’t have perfect credit, we’ve got you covered with a USC Credit Union Life Flex Loan. Like Ready Funds, we base approval on your relationship with us – no credit check required.
- Borrow $600 – $4,000 at 18.50% APR2
- $10 application fee2
- Instant 60-second funding available!
APR is accurate as of 11.2.2024
As low as:
18.50%
The Computer Loan Program offers a discounted rate3 and flexible repayment of up to 36 months on your next computer purchase from the USC Bookstore! Available to USC students, faculty, staff, alumni, and Trojan parents.
Here’s How It Works
- Receive a Computer Quote from the USC Bookstore.
- Apply for a USC Credit Union personal loan at a branch, by phone, or online. Use the promo code: USCTECH
- Upon approval, schedule pickup with the USC Bookstore!
Computer must be for personal use. Computer Loans are funded directly to the USC Bookstore.
APY is accurate as of 11.2.2024
Fixed as low as:
4.99%
Get your next project off the ground with a Home Improvement Personal Loan.
- Finance home repairs and remodels, including energy-efficient upgrades
- Loans up to $25,000
- No collateral required
- For larger projects that require more cash and longer terms, consider these loan options:
- Home Equity: financing up to $250,00 for 15 years
- Solar: financing up to $100,000 for 20 years
APR is accurate as of 11.2.2024
As low as
10.74%
Which borrowing option is right for you?
Personal Line of Credit | Personal Loan | Savings-Secured Loan | Certificate-Secured Loan | Ready Funds | Life Flex Loan | Home Improvement Personal Loan | |
---|---|---|---|---|---|---|---|
The right loan for you if: | Apply once, access funds only as needed | One lump-sum, predictable payments | Easier to qualify for, earn as you borrow | Earn as you borrow | You need cash fast | You need cash fast, for larger expenses | One lump-sum, predictable payments |
Application Fees | None | None | None | None | $10 | $10 | None |
Credit Check Required | Yes | Yes | None | None | None | None | Yes |
Annual Percentage Rates (APR)* | As low as 12.60% APR | As low as 10.74% APR | As low as 3.05% APR | As low as 6.00% APR | As low as 19.50% APR | As low as 18.50% APR | As low as 10.74% APR. Need more options? See our home equity and solar loans |
Time to Fund* | Same day | Same day | Same day | Same day | 60 seconds | 60 seconds | Same day |
Online/Mobile Application | Yes | Yes | Yes | Yes | Yes | Yes | Yes |