Personal loans made for you

Use our low-interest personal loans1 for vacations, home improvements or just about anything!

Personal Loans

Personal loan benefits for you

  • Use it for anything: Get a credit union personal loan for anything from office equipment and home repairs to emergency expenses and debt consolidation.
  • Quick response: Our local team is working quickly to give you a response for your loan application.
  • Auto pay: Avoid late fees by easily setting up automatic payments for your GECU Personal Loan.
  • Credit union difference: Members get access to affordable payments, competitively low rates and easy terms.
We’re Here to Answer Your Personal Loan Questions
  • How can I apply for a personal loan?
    You can apply for personal loans online or by calling us toll-free at 1.800.772.4328.
  • What can I use a personal loan for?
    You can use a GECU Personal Loan for home improvements, furniture, debt consolidation, unexpected situations, medical emergencies, vacations and more!
  • What is the minimum credit score required to apply for a personal loan?
    GECU takes different factors into consideration for every loan application. Speak with one of our representatives for more information by calling us toll-free at 1.800.772.4328.
  • Can I use my car as collateral for a personal loan?
    Yes, we can use a car’s title as collateral. The car title has to be in your name.
  • Am I able to have a co-borrower/joint applicant?
    Yes, a joint applicant can be part of the application and loan.
  • I need to make a payment on my loan. Do I have to go into a location?
    Loan payments can be made online by making a transfer using GECU online or mobile banking; by sending a check through the mail; or by calling us toll-free at 1.800.772.4328.
  • How does a debt consolidation loan work?
    A debt consolidation loan can be used to pay debts from other lenders, such as credit cards, and you make one loan payment instead of multiple.
  • How can I find out the status of my personal loan application?
    You will receive a response on your application between 24 and 48 business hours. If you haven’t received a response, contact us by calling toll-free at 1.800.772.4328.
1All loans are subject to approval. Rates and terms are based on borrower’s credit qualifications and are subject to change. Other conditions apply. Membership eligibility is required.
2The $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. 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.
3Timely payments may be used to help build your credit score. GECU Fast Cash™ loans not offered for terms less than 60 days. The APR is 27.9%. Other conditions apply.
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