Personal Loans

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 loan1 are made locally by people who live and work in the community you call home.

Put more under the tree this holiday season with a GECU Christmas loan!

  • Apply quickly and easily before December 31
  • Use it for all of your holiday expenses
  • Receive a competitively low rate
  • Make no payments until February 2020**
Apply Now

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 and flexible terms with monthly payments that you can comfortably afford.


Loan Type Description
Vehicle Purchase a new or used car, truck or SUV.
Vehicle Refinance
Refinance your current auto loan and enjoy our low, competitive rates.
Personal2 Apply for a personal loan for anything from new furniture and vacations to unexpected surprises and medical emergencies.
Debt Consolidation Consolidate your debt into one convenient, affordable monthly payment.
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 Finance small home improvement projects up to $25,000. The property being improved must be your primary residence.
Fast Cash Borrow between $200 and $1,000.3 All you need is twelve months’ proof of employment and three current paystubs.
Motorcycle Refinance Refinance your current motorcycle loan and enjoy our low, competitive rates.
Motor Home, Travel Trailer or Fifth Wheel Purchase a new or used motor home, travel trailer or fifth wheel.
Recreational Vehicle Purchase a new or used camper or off-road recreational vehicle, including an ATV or four-wheeler.

MEMBER'S CHOICE Credit Life Insurance

Take the steps to make sure that your family is provided for when an unexpected death 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

Prepare for a total disability due to injury or medical-related illness and ensure that your family is taken care of. MEMBER'S CHOICE Credit Disability Insurance helps pay your loan when you and your family need it most. Enroll today.


(1)All loans subject to approval. Rates and terms based on borrower’s credit qualification subject to change. Other conditions apply. Learn more about how you can join. Click here.
(2)GECU Personal Loans repayment example: 12 monthly payments of $88.29 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.
(3)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%. 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. GECU is an equal opportunity lender.
*All loans subject to approval. Other conditions apply. Learn more about how you can join. Click here.
**Interest accrues from the date that the loan is funded until the first payment date. The first payment may have substantially higher accrued interest than future payments.