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Personal Loans

We are Rooted in your Financial Well Being

Let Valley Oak Credit Union help you explore new opportunities, anything is possible! Finance a wedding, a dream vacation, landscape your lawn or buy appliances for your home. Whether you need a small or large amount, we have several personal loan options to help you achieve your goals.

  • Rates as low as 8.95% APR*
  • Borrow up to $20,000
  • Terms up to 60 months

Apply for a Personal Loan     View Loan Rates

Consolidation Loans

Consolidate Your Debt and Save! Make monthly payments more manageable by combining your higher rate debt into one low monthly payment.

  • Rates as low as 8.95% APR*
  • Borrow up to $20,000
  • Terms up to 60 months

Apply for a Consolidation Loan    View Loan Rates

To learn more about our Debt Consolidation Loans, call 800.561.4302 to speak with a Loan Consultant today!

Credit Builder Loan

The Valley Oak Credit Builder Loan is easy, flexible & nearly everyone qualifies! This loan creates an opportunity for those who are interested in building or rebuilding their credit scores. The credit builder loan:

  • Requires no money down or prior credit history
  • Generates loan funds into your savings account where the funds are put on hold, used as collateral & earning dividends (at the current dividend rate for the account).
  • Provides the loan funds for use once the loan is successfully paid off.
  • Initiates payment history reports to the credit bureaus to help build or rebuild your credit score.
  • Accommodates applicants with flexible payment amounts and terms.

Apply for a Credit Builder Loan     View Loan Rates

For example: If a member borrows $1,000 over 12 months, provided they make on time payments of approximately $88 per month, the member will have established a new positive trade line in their credit bureau. Once the loan has been paid off, Valley Oak will release the hold on the $1,000 and those funds will become available for use. In other words, the member will have 'saved' $1,000 while they established or re-established good credit.


Did you file your taxes and owe money? Pay a lower interest rate with a Tax Loan!

If you answered yes to these questions, we can help you with a Tax loan!

Apply now for a personal loan to help payoff money owed for State & Federal taxes while building your credit score by simply making monthly payments on time!**

  • Rates as low as 8.95% APR*
  • Terms up to 12 months

Apply for a Tax Loan


Savings Secured Loans

A great way to build credit, to preserve your savings, and to keep earning interest on your savings is to borrow up to 90%* of your savings account balance. The loan is collateralized by your savings account and the interest rate is less than if the loan were unsecured. Repayment takes place monthly up to 60 months, which helps make your payments affordable.

*For Share Secured Loan, the amount borrowed is based on your current availability of your Share balance account.


Certificate Secured Loans

Similar to our Savings Secured Loans, our Certificate Secured Loan is granted based on the balance in any share certificate you may have with Valley Oak. Same as the Savings Secured Loans, you are able to earn interest on your certificate by borrowing up to 90% of the balance.This loan is a great way to put your share certificate funds to work without incurring a penalty for early withdrawal.

Choose the 'Personal Loan' option and notate you are requesting a rebuilder loan.
Subject to credit approval. Some restrictions may apply.

Apply for a Certificate Secured Loan   View Loan Rates

Payments for all of our personal loans may be made automatically from checking or savings.

In the event of disability, involuntary unemployment, or death, Payment Protection can make payments on your loan, up to the agreement maximum. We are pleased to offer this "option" protection whenever you obtain a loan with us.

  • *APR = Annual Percentage Rate. APR is accurate as of publication date and is subject to change. APR is based on qualified credit. Automatic payment enrollment applicable from any Valley Oak or other financial institution checking account. Depending on your credit and income, you may borrow up to $20,000 for a maximum 60-month term. Some restrictions may apply. Offer can expire any time at the sole discretion of Valley Oak Credit Union. 8.95% APR financing is 60 payments of $20.73 per $1,000 borrowed.
  • ** Credit score increase is based on making on time payments every month.