Personal Loans

Personal Loans - We're here to help.

“Everyone there was great. I wanted to open an account and also talk about an auto loan. It was fast, smooth and easy. The loan person gave me great advice, which I am very thankful for. Something I would never have thought about.”
– Mary C.

Life is full of surprises and sometimes that means getting an unexpected large expense. Providence Federal Credit Union is here to help. Our feel-so-good personal loans* offer peace of mind and can also lend a hand when you’re ready for some much-needed beach therapy or a pair of new shoes.

Providence Federal Credit Union is here to help and service our members through this difficult time. We are offering a zero-percentage interest rate loan to help offset lost income or pay for other expenses such as medical and childcare.

Hardship Personal Loan*

  • Borrow up to $4,000**
  • 0% for 12 months & 3.99% after 
  • Terms up to 36 months
  • Direct deposit and payroll deduction Payments to fit your unique pay schedule
  • First payment due 90 days after booking

Apply for a Consumer Loan

Personal Loan

  • Borrow up to $20,000
  • Terms up to 60 months
  • Direct Deposit and Payroll Deduction Payments to fit your unique pay schedule
  • Low fixed rate allows for consistent payment 

Personal Line of Credit

  • Borrow up to $15,000 with a low fixed rate
  • Tap into your line of credit up to the credit limit
  • Interest is only charged on the funds you use
  • Direct Deposit and Payroll Deduction Payments to fit your unique pay schedule
  • The maximum unsecured limit - $30,000 limit for all combined unsecured loans limits (including VISA)

Share Secured

  • Borrow against the funds in your Credit Union Regular Share Savings
  • Low fixed rate
  • No penalties for early repayment
  • Savings remain intact and earn dividends

Payday Relief

  • When you need a small, short-term loan quick
  • Borrow from $200 - $1,000
  • Application fee is $20
  • Repay terms up to six months
  • Low fixed rates compared to those other high rate, quick cash lenders

*You must be a member of Providence FCU to receive a loan. Loans are subject to credit approval. Rates are determined by an evaluation of applicant’s credit and may vary. Other restrictions may apply. Contact Credit Union for details.**Hardship Loan Amount is 2x net monthly income or direct deposit with a maximum loan amount of $4,000.00.

It's the Pacific NW, of course you need a bike. We know bikes can be expensive, so we're now offering Bicycle Loans for up to $7,500. Learn more.