Personal Loans

Apply Now Need a loan? Borrow from the credit union you own. At GECU you’re a member and an owner. And, decisions about your loan are made locally by people who live and work in the community you call home.

Give Yourself Some Credit

With a GECU Secured Loan (1)

Here's an idea! Use your savings to get a loan. Put your tax refund into a savings account as collateral, take advantage of our low rates, and still have your savings at the end of the loan.
  • Timely payments may help increase your credit score
  • Flexible terms with low rates
  • You can earn interest on your savings

Apply now here; on the GECU Mobile App; by calling 915.778.9221, toll-free at 1.800.772.4328; or by visiting any GECU location.

GECU Loans

Whether you need a loan to purchase a new or pre-owned vehicle, pay for unexpected expenses or a dream vacation, we offer low competitive rates, flexible terms, with monthly payments you can comfortably afford.

Loan Type† Description
Vehicle To purchase a new or pre-owned car, truck or SUV.
Vehicle Refinance
Transfer your existing vehicle loan from another lender to GECU.
Personal* When you need money for any number of reasons, including vacations, vehicle repairs, unexpected expenses and medical emergencies.
Debt Consolidation Consolidate your debt into one convenient and affordable monthly payment.
MasterCard® Credit Card GECU’s Platinum MasterCard® credit card.
Share/Certificate of Deposit (CD)
Secured (collateral)
Secure your loan with a CD/Savings account at a low Interest rate.
  • Funds must be on deposit.
  • Checking accounts, IRAs and Christmas Club deposits are not permitted for this type of loan.
Home Improvement Loans
Up to $18,000
Perfect for small home improvement projects up to $18,000. The property being improved must be your primary residence.
Fast Cash Borrow between $200 and $1000 and all you need is six months’ proof of employment and two current paystubs**
Motorcycle Refinance Transfer your existing motorcycle loan from another lender to GECU.
Motor Home, Travel Trailer or Fifth Wheel Finance the purchase of a new or used motor home, travel trailer or fifth wheel.
Recreational Vehicle Finance the purchase of a new or pre-owned camper or off-road Recreational vehicle, including an ATV or four wheeler.

†All loans subject to approval. Rates and terms based on borrower's credit qualifications and subject to change. Other conditions apply. Membership-eligibility requirements apply.
*Personal Loans repayment example: 48 monthly payments of $25.75 per $1,000 borrowed at 10.80%. The maximum personal loan APR is 17.90%. No additional fees, other than late payment fees. Payment calculation does not include optional products such as payment protection. Personal loans not offered for terms less than 60 days.
**Timely payments over the six-month term may be used to help build your credit score. For a $1,000 loan for a term of six months with a 27.9% APR, the monthly payment will be approximately $180.48. The maximum APR is 27.9%. No additional fees, other than late payment fees. Payment calculation does not include optional products such as payment protection. Fast Cash loans not offered for terms less than 60 days. Other conditions apply. This institution is an equal opportunity provider.
(1)All loans subject to approval. Rates and terms based on borrower’s credit qualifications and subject to change. Other conditions apply. Membership-eligibility requirements apply.

MEMBER'S CHOICE Credit Life Insurance

There’s no way your family can prepare for an unexpected death, but you can take steps along the way to make sure your family is provided for if the unexpected occurs. MEMBER’S CHOICE Credit Life Insurance helps pay your loan so your loved ones don’t have to. Enroll today.

MEMBER'S CHOICE Credit Disability Insurance

There’s no way anyone can prepare for a total disability due to injury or a medical-related illness, but you can take steps along the way to make sure your family is provided for if the unforeseen were to happen. MEMBER’S CHOICE Credit Disability Insurance helps pay your loan when you and your family need it most. Enroll today.

Content