PERSONAL LOANS

Personal Loans to Meet Your Needs

Get a credit union personal loan1 for just about anything — from car mishaps and emergencies to home projects and much-needed vacations. Our low-interest personal loans come with flexible terms and affordable payments.

Personal Loans and Debt Consolidation

Reach your goals with a personal loan that fits your needs

Every GECU Personal Loan lets you enjoy:

Personal Loans and Debt Consolidation

Low interest rates

We're committed to giving you access to low, competitive interest rates.

Personal Loans and Debt Consolidation

Affordable loan payments

Our loans fit your needs — we work hard so that our members and community have access to the products and services that fit their budgets.

Personal Loans and Debt Consolidation

Easy terms

We offer a variety of personal loan terms that adjust to your current situation or goals.

Personal Loans and Debt Consolidation

Versatility

You can get a personal loan for almost anything that you need, including for vacations, home improvement projects, car repairs, medical expenses, personal home-office equipment or debt consolidation.  

Personal Loans and Debt Consolidation

Auto pay your personal loans

Set up convenient automatic payments for your credit union personal loans to avoid late fees. 

Personal Loans and Debt Consolidation

Quick responses

Our decisions are made locally and we work hard to give you a quick response on your loan application. Plus, you can conveniently apply for a personal loan now using the GECU Mobile App!2

Make payments from  Icon

Make payments from another bank account

You can make loan payments through your accounts at other financial institutions.

Vacations loans promo image

Your Getaway. Your Loan.

GECU Vacation Loans¹


Take a road trip to a nearby city that you’ve always wanted to visit or go on an adventure to the other side of the world with a GECU Vacation Loan that will fit your every need! Plan your next adventure and enjoy affordable payments, competitive rates and flexible terms.

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Personal Loans

Home Improvement Loans

Get a home improvement loan and kick off all of your home renovation projects.
Get a home improvement loan and kick off all of your home renovation projects.

Best for: Members looking to make updates to their home.


  • Get a $250 gift card3 with any home improvement loan of more than $15,0004
  • Perfect for adding a new room, installing new flooring, updating the landscaping and more
  • Enjoy competitive rates, flexible terms and affordable payments

Debt Consolidation Loan

Consolidate your high-interest debts into a single low-interest monthly payment.
Consolidate your high-interest debts into a single low-interest monthly payment.

Best for: Members looking to save in interest and have one monthly payment instead of many.


  • Combine multiple monthly payments into a single, affordable payment
  • Consolidate debt from high-interest credit cards and other debts or bills
  • Speak to a financial coach to ensure that you’re on the right financial path
  • Save money in interest

Low-interest Personal Loans for Unexpected Situations

Don’t let unexpected situations stop you!
Don’t let unexpected situations stop you!

Best for: Members looking to pay for medical expenses or other personal matters.

 

  • Pay for medical bills, home repairs, car repairs or funeral expenses
  • Enjoy low rates, easy terms and affordable payments
  • GECU Personal Loans have no application fees
     

Credit Builder Loans

Build or rebuild your credit and create a savings plan!
Build or rebuild your credit and create a savings plan!

Best for: Members looking to build their credit by establishing positive repayment history



  • The funds of the loan are deposited into a 12-month credit-building certificate account
  • Once the loan is paid off, the funds in the certificate account are your hard-earned savings
  • The funds in the certificate account continue to earn dividends throughout the term

Furniture Loan

Get a personal loan to buy new furniture and spruce up a room or two.
Get a personal loan to buy new furniture and spruce up a room or two.

Best for: Members looking for loans to buy furniture 


  • Buy a new living room set or a new bed frame and nightstands
  • Enjoy low rates, easy terms and affordable payments

Loan for Medical Expenses

Use a personal loan to pay for medical expenses — planned or unplanned!
Use a personal loan to pay for medical expenses — planned or unplanned!

Best for: Members looking to pay for medical expenses

 

  • Pay for urgent care or emergency room bills or other medical expenses
  • Take advantage of low rates, easy terms and affordable payments 
     

GECU Fast Cash

Unexpected expenses or can’t wait until pay day? GECU Fast Cash is there to help!
Unexpected expenses or can’t wait until pay day? GECU Fast Cash is there to help!

Best for: Members looking for a quick, small-dollar loan

 

  • Borrow between $200 and $1,000 based on your credit qualifications with GECU Fast CashTM5
  • All you need is 12 months’ proof of employment and three current pay stubs or proof of recurring source of income, and three-month GECU membership in good standing
  • Timely payments may have a positive impact on your credit score
We’re Here to Answer Your Personal Loan Questions
  • I need to get a personal loan. How do I get started?
    Getting a personal loan is easy — call us toll-free at 1.800.772.4328.
  • What can I use a credit union personal loan for?
    You can use a personal loan for almost anything from car repairs and medical expenses to home improvements and vacations.
  • What is the minimum credit score to be able to apply for a GECU Personal Loan?
    Even though we do look at your credit score when you apply for a personal loan, there are other factors that are taken into consideration. Contact us today by calling us toll-free at 1.800.772.4328 to find out how GECU can help with your personal loan needs.
  • Can I use my car as collateral for a personal loan?
    Yes, you may use your vehicle as collateral for a GECU Personal Loan.
  • Am I able to have a joint applicant for a personal loan?
    Yes, if needed, a borrower can have a joint applicant. The joint applicant or co-borrower is also liable for the loan.
  • I need to give my loan payment. Do I have to go into a GECU location?
    We offer many ways for you to make loan payments. You can log in to GECU online or mobile banking to transfer or schedule your loan payment. If you have another financial institution, you can send your loan payment from another account. You can also stop by any GECU location to give your payment.
  • What can I use my debt consolidation loan for?
    With a debt consolidation loan, you can pay off your high-interest-rate credit cards, including retail cards, loans with other lenders, and any other type of loan other than a mortgage loan.
  • What is the status of my personal loan application?
    To know the status of your loan application, please chat with us or call us toll-free at 1.800.772.4328.
  • What is the difference between a secured and an unsecured loan?
    Secured loans require collateral such as automobiles, a savings account or a certificate account. Whereas, unsecured loans don't require collateral. Secured loans also have lower interest rates due to the collateral that protects the loan.
  • How can I make a loan payment from another bank account?
    Make transfers from your accounts at other financial institutions to your GECU loan accounts. One-time funds transfer or loan payments from an external account are charged a $15 convenience fee. Learn more about making transfers or loan payments from an external account or call toll-free at 1.800.772.4328.
  • How do I access my credit score?

    You can access your credit score using SavvyMoney6 in GECU Online Banking or the GECU Mobile App! Enroll now and see how SavvyMoney can help you!

    • Access your credit score and report
    • Set up credit-monitoring alerts
    • Get tips to improve your credit
    • Learn how to manage your credit and finances
    • Browse through financial education resources

    HOW TO ENROLL IN SAVVYMONEY

    1. Log in to GECU Online Banking or the mobile app.
    2. Find the credit score widget in online banking and click “Show my score” or tap the “More” button in the mobile app and tap “Credit Score.”
    3. Opt in and agree to the terms and conditions.
    4. Start monitoring your credit score!
  • How can I view my full credit report?

    You can view your full credit report using SavvyMoney in GECU Online Banking or the GECU Mobile App! Enroll now and see how SavvyMoney can help you!

    • Access your credit score and report
    • Set up credit-monitoring alerts
    • Get tips to improve your credit
    • Learn how to manage your credit and finances
    • Browse through financial education resources

    HOW TO ENROLL IN SAVVYMONEY

    1. Log in to GECU Online Banking or the mobile app.
    2. Find the credit score widget in online banking and click “Show my score” or tap the “More” button in the mobile app and tap “Credit Score.”
    3. Opt in and agree to the terms and conditions.
    4. Start monitoring your credit score!
  • Why is my credit score important?
    Your credit score is based on the information in your credit report. Lenders may use this to determine how likely you are to repay a loan. To view your credit score, enroll with SavvyMoney now.

Membership eligibility is required.
1All loans are subject to credit qualification and approval. Other conditions apply.
2Standard text-messaging and data rates may apply through the wireless carrier.
3The $250 gift card will be available for loans that are $15,000, up to $30,000, and offered while supplies last. The gift card will be presented upon disbursement of the GECU Home Improvement Loan. This offer is nontransferable, limited to only one offer per household, and cannot be used in conjunction with any other offer. Existing GECU Home Improvement loans are not eligible for this offer. Qualifying borrowers can request to add on $15,000 or more to an existing GECU Home Improvement Loan to receive this offer; the total balance cannot exceed $30,000. This is a limited-time offer and may be withdrawn at any time.
4All loans are subject to credit qualification and approval. Other conditions apply. Promotion is for loans equal to or greater than $15,000, up to $30,000, and must be funded by June 30, 2024.
5Timely payments over the term of the loan may be used to help build your credit score. Fast Cash™ loans not offered for terms less than 60 days. The APR is 27.9%. Other conditions apply.
6This service is being offered by GECU in collaboration with SavvyMoney, Inc. The provided credit score and credit report are not used for determining credit qualification or approval on any GECU loans that you apply for.

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