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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.
Apply today by choosing the 'Personal Loan' option and notate you are requesting a Consolidation Loan.
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!
This loan creates an opportunity for those who are interested in building or rebuilding their credit scores. The credit builder loan:
Apply today by choosing the 'Share Secured Loan' option and notate you are requesting a Credit Builder Loan.
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.
Subject to credit approval. Some restrictions may apply.
Are you wondering how you're going to afford the Holidays this year? Sweeten up the season with a Holiday Loan!
Apply today by choosing the 'Personal Loan' option and notate you are requesting a Holiday Loan. Your Holidays just got sweeter!
Apply for a holiday Loan View Loan Rates
*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.
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.
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.
APPLY FOR A SHARED SECURE LOAN VIEW LOAN RATES
*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!**
Apply today by choosing the 'Personal Loan' option and notate you are requesting a Tax Loan.
APPLY FOR A TAX LOAN VIEW LOAN RATES
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.
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!
APPLY FOR A TECH LOAN VIEW LOAN RATES
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