Personal Loans

Consolidation Loans

Consolidate Your Debt and Save!

Make monthly payments more manageable by combining multiple high rate loan payments into one low monthly payment.

  • Rates as low as 7.95% APR*
  • Borrow up to $20,000
  • Terms up to 60 months

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

*APR = Annual Percentage Rate. APR is accurate as of publication date and is subject to change. APR is based on qualified credit. 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. 7.95% APR financing is 60 payments of $20.25 per $1,000 borrowed. Federally insured by NCUA.

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.

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 your savings account balance.This loan is a great way to get to your share certificate funds without incurring a penalty for early withdrawal.

Credit Builder Loan

Just starting out and want to build credit? Looking to improve your credit score after bankruptcy, divorce, or other factors?

The Valley Oak Credit Builder allows you to build or rebuild your credit rating to a favorable score. It's easy and flexible. Almost everyone qualifies!


  • Valley Oak Credit Union loans you the funds and uses those funds as the collateral for the loan while you repay it
  • Loan funds are deposited into a Valley Oak savings account where it will earn dividends at the current dividend rate for this account
  • Payment history is reported to the credit bureaus to help you build or rebuild a favorable credit score
  • Once the loan is successfully paid, the money becomes available in your account
  • No money or credit history required
  • Creates forced savings
  • Flexible payment amounts and terms

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.

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

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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.