Personal Loans

Personal Loans

You set the direction

Personal Loans — sometimes called unsecured loans or signature loans — can help you pay for just about anything you need. Did your brakes go out? Do you want an energy-efficient dishwasher? Are you planning a vacation? Whatever event is occurring in your life, a Personal Loan may be the right solution for you.

Forget the card

A credit card is a useful tool, but it’s not the best resource for every need. A personal loan may be a better fit.

Lock in your rate

Get a fixed amount to spend, at a fixed rate, so you know exactly how much you’ll pay, for how long.

It’s your call

Personal Loans aren’t confined to a specific type of purchase. You choose how to spend it.

Trail Notes

You can use it for veterinary expenses. It can help you pay for maternity care or adoption fees. If you’re applying for citizenship, it can help you cover those fees. If you’re planning an elective medical procedure, from weight loss to Lasik, it can help with that too. A personal loan can help you pay for your wedding, get a root canal, or send your child to camp. It’s wide open.

A personal line of credit works a lot like a credit card. There’s a limit to how much credit you can use, it’s available to you on a rolling basis, and the interest rate can be subject to change.


A personal loan, on the other hand, is a fixed amount that you get all at once, with a locked-in interest rate on a fixed repayment term. So instead of borrowing a little here and paying a little back there, you borrow your lump sum all at once, use it for whatever you need, then pay it back in steady monthly increments that don’t change over time.

Notes from the Trail

My husband and I are tight financially right now, having received unexpected tax and medical bills. I was unsure if I would qualify for a loan. I was relieved to be able to get the loan and have those bills paid off.

— Nancy, member since 1980

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Today's rates

Personal Loans



Rates Effective: March 1, 2024

All Loans are subject to approval, actual APR is subject to change and is based on borrower’s creditworthiness and terms of loan. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

Estimated Monthly Payment Example: $277.66 a month based on a 60-month, $12,000.00 loan at 13.49% APR.

Up to 84 months

9.99% – 16.99%

Personal Lines of Credit



Rates Effective: March 1, 2023

All Loans are subject to approval, actual APR is subject to change and is based on borrower’s creditworthiness and terms of loan.


10.99% – 17.99%


We’re people helping people.

Together we’re a credit union.


Pacific Crest is a not-for-profit financial co-op owned by over 24,000 regular people in the Klamath Basin and surrounding rural communities. We don’t have to worry about pleasing stockholders so we’re able to focus our efforts on our communities — by reaching out, giving back, and paying it forward.  Learn more about our Community Impact.

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    We support more than 35 local organizations that have a big impact on the area.

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    Employees can personally support charities through our Casual For Community program.

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