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You want to focus on what matters most. We’ll make sure you can.

Life is full of unexpected moments. At USE Credit Union, we’re here for you no matter what happens. With our Signature Loan, you’ll feel confident that you’re prepared for whatever life throws your way—and with a low rate, you’ll have more quality time to focus on what matters.

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Emergency Programs

We understand that you might be negatively impacted financially by the COVID-19 pandemic and we want to make sure we’re doing our part to help see you through. If you are in need of assistance making an existing loan payment please reach out to our Member Service Center to speak with us about your options. We also offer short-term unsecured loans for qualifying members to help make ends meet.

Apply online, or call us at 866.873.4968 to learn more about a USECU Emergency Loan:

  • Request up to $5,000
  • 0% APR*
  • Defer your first payment up to 90 days

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  Signature Loan Savings-Secured Loans Computer Loans
Which loan is right for you? A loan for just about anything - whether it's money for an unexpected expense or you just want to consolidate debt. Need money for something important, but want to keep your savings intact? Consider the merits of a Savings-Secured Loan. We've teamed up with three university campus bookstores to provide an affordable way to get the latest technology.
Key Feature Get up to $30,000 in one day upon approval Borrow up to 100% of your savings at only 3% above your dividend rate Get up to $5,000 with low monthly payments
Terms Up to 96 months Up to 96 months Up to 36 months
Rates View View Contact Us


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Savings-Secured Loans

Use your own savings as collateral for the loan. Choosing to collateralize your loan in this manner allows us to offer you a lower interest rate for the life of your loan.

  • Borrow up to 100% of your USE Savings account at a low 3% APR over your dividend rate
  • Immediate funding - you'll know if you qualify for the loan within minutes, and usually have the funds the same business day
  • Your savings account continues to earn interest
  • Simple application - there's less paperwork because your loan is secured
  • Fixed term, fixed rate - you know exactly how much you'll pay each month, making it easy to budget
  • Terms up to 120 months

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Computer Loans

We've teamed up with three university campus bookstores to help you keep up with technology and save money too!

  • Up to $5,000 with no application fee
  • Low competitive rates
  • Up to 36 months to repay (no prepayment penalty)
  • Bundled purchasing on a variety of brands, including desktops, laptops, tablets, plus software and accessories
  • Discounts on select computers and equipment

San Diego State University
University of California, San Diego
University of California, Davis

All loans subject to credit approval. Rates, terms, and conditions subject to change without notice.

*APR current as of March 19, 2020.

**The APR represents the total cost of credit, including fees. Rate is based upon credit criteria. Your rate may be higher. Must be 18 years old to apply. All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. 7.49% APR valid as of 11/1/2019 and requires automatic payments from a USECU checking account, otherwise rate will increase by .50%. $30,000 is the max combined total unsecured loan limit/balances per member. 36 monthly payments of $31.10 for every $1,000 borrowed at 7.49%.