With a personal loan, you do not have to put up collateral to get the loan, but you may assume a higher interest rate and tougher approval guidelines. The paperwork involved with personal loans is normally less complicated than with regular loans.

Regular Personal Loan guidelines:

• Borrow up to $300.00 after 90 days of employment.
• Borrow up to 10% of your gross salary after one year of employment (Up to $10,000).
• Repayment terms up to 3-years available.
• Payment Protection - Have the security of your loan payments consistently designated in the case of disability or death.

Seasonal Loans

Also known as Specialty Personal loans to assist our members with celebrating life events such as vacation expenses, holiday expenses, or paying taxes.

Seasonal Loan guidelines:

• One-year repayment term.
• The maximum loan amount is based on the monthly payment you can afford.
• Payment Protection - Have the security of your loan payments consistently designated in the case of disability or death.

$500 No Credit Check Personal Loans

Designed for individuals who wish to have a short-term loan without their credit report being pulled.

$500.00 No Credit Check Personal Loan guidelines:

• Borrow $500.00
• The term is six months
• You must have at least $50.00 bi-weekly automatically deposited into your ECU account
• Your payments will be auto deducted from your ECU direct deposit
• Must be employed at least one year with your current employer

Share Secured Loans

Borrow from yourself and save!

Use your regular share account or share certificate as collateral and borrow up to the amount in your account. You will continue to earn dividends on your savings as you pay down your loan.

It's easy - no credit report or income verification is required. Apply online, call, or stop by any ECU Credit Union location for a share secured loan today.