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Personal Loans

No matter if you're looking to go on that vacation you've been meaning to for years, you're planning your dream wedding, or simply need some extra cash to cross off your home to-do list — whatever your needs, we're rooted in helping make all of this happen.

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 100% of the balance. This loan is a great way to put your share certificate funds to work without incurring a penalty for early withdrawal.

Apply for a Certificate Secured Loan   View Loan Rates

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 9.95% APR*
  • Borrow up to $30,000
  • Terms up to 60 months

Apply today by choosing the 'Personal Loan' option and notate you are requesting a Consolidation Loan.


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

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 today by choosing the 'Share Secured Loan' option and notate you are requesting a Credit Builder Loan.


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.

Subject to credit approval. Some restrictions may apply.

Make Ends Meet with a Personal Line of Credit 

Flat rate of 15.99% APR*

Afford the things you need with a personal line of credit!  This revolving line of credit becomes available again as balances are paid down or off. Use it as a line of overdraft protection or just to help with those extra purchases you need to make ends meet!

     Apply Today          View Rates  

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 9.95% APR*
  • Borrow up to $30,000
  • Terms up to 60 months

Apply for a Personal Loan  View Loan Rates

Keep earning interest on your savings is to borrow up to 100%* 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.

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 9.95% APR*
  • Terms up to 12 months

Apply today by choosing the 'Personal Loan' option and notate you are requesting a Tax Loan.


Working from home, home-schooling or both — get and afford the lastest technology thanks to a Tech Loan from Valley Oak! Make life at home MUCH easier with the technology you, and they need to succeed, and to use during breaks and relax time.

  • Rates are flat at only 6.99% APR (that means everyone gets the same rate!)
  • Borrow up to $2,500 for 12 months
  • Apply online and get funding quickly

Apply today by choosing the 'Personal Loan' option and notate you are requesting a Tech Loan. Then, you'll be using your new tech in no time!


The accuracy of our calculators and their applicability to your circumstances are not guaranteed. You should consult with a qualified professional regarding your particular circumstances.