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Need more space at home?
Too many high-interest debts?

Apply for a Personal Loan!

Apply Now

Debt Consolidation

Debt Consolidation

Juggling payments on too many high-interest debts? Eliminate that frustration with one payment on a single low-interest loan.

House Repairs

Home Improvements

Need a viable home office or educational space for the kids? Create or recreate space in your home with a low-interest loan.

New Baby

Growing Family

Family growing? Whether it’s to help with adoption costs or add a room for the latest addition, a low interest loan may be the solution.


If you’re weighed down by high-interest debts or needing funds for an essential home improvement, an ECCU Personal Loan can help. It lets you consolidate your debts or expand your space with a fixed low interest rate. And, because the loan amount and term is set you know exactly when you’ll be out of debt. ECCU’s Personal Loan doesn’t require collateral, but if you’re rebuilding your credit or desire a lower rate, you can secure the loan with a certificate account.

  • Unsecured Personal Loans: Loan amounts from $2,500 to $30,000 and loan terms up to 60 months. Rates as low as 7.49% APR1.
  • Certificate Secured Loan: Loan amounts from $2,500 to certificate amount and loan terms up to the certificate maturity date. Rate is 2% above the dividend rate of your certificate.

Rate Discount:

Want to recieve an additional 0.50% discount on your personal loan rate?

Simply sign up for automatic payments from your ECCU checking account to receive a 0.50% discount on your personal loan rate!

If you are not a current ECCU member, membership and at least one deposit account (checking or savings) must be established prior to your loan funding. You may apply for membership after you submit your loan application.


Personal Loan Calculator

Enter a total loan amount to estimate your monthly payment or determine your loan amount.

Your estimated monthly payment
$
for a $ loan

FAQs

How long does the application process take?

Completing and submitting your application should take approximately 10-15 minutes.

What can I expect when applying for a personal loan

  • First, complete your loan application
  • Once completed, within two business days you will receive decision via email
  • If you are not a current ECCU member, you will need to become a member and open at least one deposit account (checking or savings). An ECCU checking account is required for personal loans. Additional documentation may be required as a condition of your approval.
  • Lastly, you will sign your loan documents and you’re done!
  • Your loan funds will be deposited to your ECCU checking account within 1-2 business days of receiving your completed loan documentation.
  • Note: Debt consolidation may require creditors to be paid directly as a condition of your approval.

Are there FICO score requirements to apply for personal loan?

You must have a minimum FICO score of 640.

Who is eligible to apply?

Anyone who has a Social Security Number or ITIN and is 18 years or older is welcome to apply. Please note that before your loan is funded, you must become a member of ECCU and open at least one deposit account (checking or savings). An ECCU checking account is required for personal loans. If you are not a current member, click here to apply. Applying for membership is quick and easy.

How do I check the status of my application?

To check the status of your application, login here. You will be required to provide your last name, email address used on your application, and your social security number.

What do I do if I need to provide additional documentation for my loan request?

To provide additional documentation, login here. You will be required to provide your last name, email address used on your application, and your social security number. When logged in, select the arrow icon and follow the prompts to upload your documents.


ECCU Checking Account is required.

Personal loans may not be used for post-secondary educational expenses.

A $10,000 personal loan with a simple interest rate of 7.49% and a corresponding Annual Percentage Rate (APR) of 7.49% for 36 months equates to a monthly principal and interest payment of $312.

1Annual Percentage Rates (APR). Subject to credit approval. Rates start as low as the published rates. Your actual APR may differ based on your credit history, approved loan amount and term. Current APR listed are the rates as of February 16, 2021. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. For current rates, call Member Services 800.325.4652.

The personal loan payment calculator is provided to help you estimate your monthly payment. Results are estimates only and are not guaranteed. The terms and conditions offered by ECCU will differ and may affect the results of the calculator. If you have specific questions regarding your financial situation, please contact your financial advisor.

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