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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*
  • Lower your rate an additional 0.50% when enrolled in automatic payments*
  • Borrow up to $20,000
  • Terms up to 60 months

Apply Today!

*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.

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