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.
You set the direction
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.
Personal Loans aren’t confined to a specific type of purchase. You choose how to spend it.
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.
Upon approved credit. Restrictions apply to refinancing existing PCFCU loans, contact us at 541.850.7799 for additional information. Credit Union membership is required. Rate discounts do not apply. Late Charges: If your minimum payment is received 15 or more days after the scheduled due date, you may be subject to a late charge of 5% of the delinquent amount with a minimum of $20.00.
Up to 84 months
6.99% - 15.99%
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Pacific Crest isn’t a bank. We’re a financial co-op owned by 16,000+ people in the Klamath Basin and surrounding rural communities. In 2018 alone, we returned a financial benefit of over $23 million to our home and yours — by reaching out, giving back, and paying it forward.
At Pacific Crest, we build partnerships and provide services designed to make a difference, while devoting hundreds of volunteer hours every year to good causes.
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