Personal Loans

Personal Loans

They say "money doesn't buy happiness" — but it certainly makes the search more fun! Maybe your path to happiness involves a well-deserved vacation, continuing your education, or completing a long-term project. All those things and more can be yours with a personal loan from Financial Center CU!

We offer competitive rates and comfy terms make this "anything and everything" loan the no-brainer alternative. Why dip into your savings? Get in touch with one of our knowledgeable lending experts for a road map to your serenity safari!

View Rates

Calculate my Payment

Summary
  • Competitive rates on loans for things like:
  • Vehicle repairs
  • Home improvements
  • Family vacations
  • Education expenses & tuition
  • Personal projects
  • Startup businesses
  • Set up automatic payments to avoid late fees
  • Terms up to 72 months
  • Loan amounts up to $50,000 available
  • Repayment terms customized to fit your unique needs
  • Quick, local decision-making and processing
  • Friendly, attentive service from start to finish
  • Available to members in Stockton, Manteca, Lodi, and surrounding areas

Debt Consolidation Loans

Financial Center is here to help members improve their financial health by tackling their previous debts. As your not-for-profit, community-powered credit union, we're here to help you put your best foot forward. Our Debt Consolidation loans get your debts organized into one, simple payment with one fixed rate – now you can start planning for the future, instead of living in the past.

  • Members can take out an Unsecured Loan or Collateral-Secured Debt Consolidation Loan
  • No application, annual, or prepayment fees
  • Automatic paycheck deduction available (never miss a payment!)
  • Repayment terms customized to fit your unique needs
  • Quick, local decision-making and processing
  • Friendly, attentive service from start to finish
  • Available to members in Stockton, Manteca, Lodi, and surrounding areas
Fast Cash Loans

Does an unexpected expense have you strapped for cash? Financial Center is here to help you with everything that life throws your way. With our quick and easy Fast Cash Loans, you can get the same-day cash that you need without having to jump through the hoops. We can create a custom loan that fits into your budget, so you can keep your best financial foot forward. So, whether it's a last minute trip or a leaky pipe, you can turn to the best credit union in San Joaquin County knowing that we have your back.

  • Same-day cash for anything and everything
  • Great solution to finance life's planned and unplanned events
  • Loan amounts up to $50,000 available
  • Repayment terms up to 72 months
  • Repayment terms customized to fit your unique needs
  • Quick, local decision-making and processing
  • Friendly, attentive service from start to finish
  • Available to members in Stockton, Manteca, Lodi, and surrounding areas

Vacation Loans

Vacations can be relaxing, or adventurous, or both. What they shouldn't be is the story of how you blew all your money. FCCU offers vacation loans so that you can take that well-deserved trip without jeopardizing the savings you worked so hard to build.

  • Competitive rates on loans specifically for vacations
  • Loan amounts up to $50,000 available
  • Repayment terms up to 72 months
  • Repayment terms customized to fit your unique needs
  • Quick, local decision-making and processing
  • Friendly, attentive service from start to finish
  • Available to members in Stockton, Manteca, Lodi, and surrounding areas
Secured vs. Unsecured Personal Loans

Fear not! We work with members from all types of credit backgrounds -- even on Unsecured Loans! We use risk-based pricing to customize rates that sensibly align with your personal credit history. By taking advantage of FCCU loans, many of our members have found that we can save them money over the alternative lending options (credit cards, check cashers, etc.) that they have used in the past.

Secured Personal Loans

  • To secure 100% of the loan, members can use their FCCU accounts:
  • Primary Savings
  • Special Savings
  • Share Certificate
  • Helps members build their credit while enjoying the benefits of additional funds
  • Repayment terms customized to fit your unique needs
  • Quick, local decision-making and processing
  • Friendly, attentive service from start to finish
  • Account balance must be equal to or greater than the loan amount requested
  • Available to members in Stockton, Manteca, Lodi, and surrounding areas

Unsecured Personal Loans

  • Members will be given loans based on their credit history
  • Helps members reach their goals without tying up savings or personal property as collateral
  • Repayment terms customized to fit your unique needs
  • Quick, local decision-making and processing
  • Friendly, attentive service from start to finish
  • Available to members in Stockton, Manteca, Lodi, and surrounding areas