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What Other Options Should I Consider

Unlike a home or vehicle loan which requires the asset as collateral, some lifestyle loans are extended based on your credit history and score, income levels, and debt ratio. Other options are tied to the funds in your savings account. Choose from a number of options to fit your needs.

Lifestyle Loan

Apply for a specific sum of money and have up to 60 months to repay. You can repay back in full at any time plus you have the comfort of knowing your monthly payment. 

Personal Line of Credit with Overdraft Protection Option

Continually access funds up to your credit limit, without ever re-applying. This product also offers the benefit of overdraft protection on your checking account. You never have to worry about the hassles of overdrawn funds in your checking account again. To use your funds, simply write a check or transfer funds to your checking account. 

Share or Certificate Loan

Use your savings account or savings certificate to secure a loan and borrow up to 100% of the value in those accounts. This helps to qualify you for a lower loan rate while your savings account continues to earn dividends.

Credit Enhancer Loan

Need to establish or enhance your credit score? Apply for $500 to $3,500 for up to 36 months at competitive rates. Just like our Shared Certificate Loans, funds will be secured by the funds in your savings account.

PayDay Express Loan

If you need a little help in between paychecks, contact us to learn about a solution to help you handle some of life’s unexpected situations. The process is quick and you can receive the cash the same day if you qualify.

  • 6-month term
  • No credit check required
  • $20.00 non-refundable fee, per application

PGCFCU reserves the right to change or withdraw this offer at any time. You will be required to present copies of three (3) consecutive pay-stubs at the time of application. A minimum of 2 years employment history and must be employed with your current employer for a minimum of 1 year, prior to the loan application. Membership with credit union is a minimum of 1 year.

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*APR = Annual Percentage Rate. Holiday Loan Special is available for qualified borrowers. Loan subject to normal underwriting guidelines. Term limit is 12 months with a minimum loan amount of $500.00 and a maximum loan amount of $3,000. Representative payment example: A $3,000.00 loan at a fixed rate of 10.00% Annual Percentage Rate for 12 months would require 12 monthly payments of $265.00. Offer ends December 31, 2018. 

Apply Now for a Loan  Calculate Your Loan
Apply Now for a Loan  Calculate Your Loan

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