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Boost your finances with a line of credit.

If you prefer to borrow money as needed instead of getting one lump sum of cash, a PCU Personal Line of Credit is your answer.
Apply Now

PERSONAL LINE OF CREDIT RATES

[1] APR=Annual Percentage Rate. PLOC and Preferred PLOC Disclosures.

Rates as of: May 8, 2023
PRODUCT
APR1 (as low as)
PRODUCT
Preferred Line of Credit
APR1 (as low as)
11.95%
PRODUCT
Line of Credit
APR1 (as low as)
13.95%

[1] APR=Annual Percentage Rate. PLOC and Preferred PLOC Disclosures.

Start your Personal Line of Credit application

Personal Line of Credit Benefits

Don't limit yourself to a set loan amount. A Personal Line of Credit (PLOC) allows you to cover what you need today, as well as what might happen tomorrow. 

People kayaking who have peace of mind with a personal line of credit from Providence Credit Union PCU in portland oregon.

Competitive Rates

Our Personal Line of Credit rates provide the affordable payments and flexibility you need to get the job done.

Open-Ended Loan

Our PLOC lets you borrow money, repay it, and take out more without having to fill out another application.

No Collateral

With only your signature, our Personal Line of Credit can be the financial solution you are looking for.

Easy $ Access

Access your money on-the-go through online banking, our mobile banking app, or in person at a local branch.
Apply Now

Compare: Personal Line of Credit vs Personal Loan

While both a Personal Line of Credit and a Personal Loan allow you to borrow money without collateral, the way you receive that money differs.

Personal Loans provide one lump sum of money that you can repay monthly at a fixed rate and a set payment amount your budget can rely on. Personal Lines of Credit offer the flexibility to access your money over time with a less standardized repayment plan. 

Figuring out which product is the right fit can be tricky! Let us help guide you to the best loan option. 

Apply Now
Man building a stone pathway financed with his personal line of credit from CCCU.
Happy smiling woman who has a personal line of credit from CCCU.

Our line of credit is flexible.

Sometimes you have a planned project in mind and other times you get the surprise of a lifetime. No matter why you need to borrow money, a Personal Line of Credit can provide peace of mind that the money will be there when you need it.

  • Cover emergency repairs
  • Complete home renovations
  • Create a safety net
  • Pay medical bills
  • Fix your car
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Is loan protection right for you?

When life throws you a curveball, be one step ahead with Personal Loan Protection. Enjoy added security from potential delinquency, default, or foreclosure if a protected life event unexpectedly happens to you.

Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment
Ask about our loan protection options when you apply for your PCU Personal Line of Credit.
Apply Now
Using a personal line of credit to fund a solar panels project on top of a house.
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Our Budgeting Tips and Tricks: Quick Solutions to Start Saving Today guide provides everything you need to build your perfect budget and start saving money today.

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What our members are saying:

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Frequently Asked Questions

What is a personal loan?

A personal loan, often called a signature loan, or a good faith loan, is a type of unsecured personal loan offered by a financial institution. The primary requirement of these loans is the borrower’s signature and their promise to pay. Most institutions may also check a borrower’s credit score, and some require a loan cosigner. Like other loans, you'll make fixed monthly payments during your loan term until it's paid.

Personal loans are an unsecured term loan. This means that the loan isn’t secured by collateral, like a borrower’s car loan or home mortgage. The term requires that the loan is paid off during a predetermined timeframe, which is typically through monthly payments during the duration of the loan term.

What can I use a personal loan for?

From covering unexpected expenses to paying for home improvements and more, a personal loan can be used for many miscellaneous needs that don’t have their own specific loan categories. They can provide flexibility and quick access to funds.

Can I use a personal loan for higher education?

No, a personal loan doesn’t cover education expenses. However, we have other loan options to help you pay for college or pay down current student loans. Contact us to learn more.

Do I need a co-applicant?

No, it isn’t necessary to have a co-applicant. But, depending on your situation, a co-applicant may help you meet the credit requirements necessary for loan approval. 

Can I get a personal loan if I have limited credit history?

Yes, but a co-applicant may be required depending on the requested loan terms.

How long does it take to receive my funds?

Once your loan is approved, you’ll have same-day access to funds in many cases.

DISCLOSURES
Membership eligibility required. All loans subject to credit approval. Rates based on creditworthiness and are subject to change without notice.

Information and interactive calculators are made available as self-help tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to individual circumstances. All examples are hypothetical and are for illustrative purposes. Seek personalized advice from qualified professionals regarding all personal finance issues. Actual rate, payment and costs could be higher. Get an official loan estimate before choosing a loan. Contact credit union for more details. 

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Providence Credit Union (PCU), Consolidated Community Credit Union (CCCU) and CCCU Cascade are all trade names or registered service marks of Consolidated Federal Credit Union. Although these branches have different names, they are all part of the same credit union; shares and deposits held at each office are not separately insured.

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