USE Credit Union

Personal Loans

NEW! – Rates as low as 7.99% APR for 36 months!1

Getting cash with just your signature has never gone out of style. That's why we offer a  line of personal loans you can use for any reason. Based on your signature and good credit, our personal loans are a fast, convenient way to borrow without collateral. Whether it's money for an emergency, bill consolidation, medical bills, auto repairs, a family vacation, taxes or any reason, we're here to help.

  • Get up to $30,000 on your good credit alone
  • Choose an installment loans and line of credit
  • No security or collateral required
  • Use the money for any personal reason

To apply for a Signature Loan, click the Apply Now button to get started.

Apply Now

Savings-Secured Loans:
Manage Expenses Without Touching Your Savings

If you need money for something important, but want to keep your savings intact, consider the merits of a cost-effective USE Savings-Secured Loan. First and foremost is the interest rate: It's low! That's because you're using 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 hours, and usually have the funds the next 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

Need Money Now? 
Let's get started! To apply for a Personal or Savings-Secured Loan, simply apply online, stop by your nearest branch or call 866.873.4968 for more information.

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

Computer Loans

USE Credit Union has teamed up with three university campus bookstores to help you keep up with technology and save money too! Our Computer Loan Purchase Program offers:

  • Up to $3,000 with no application fee
  • Fixed rates as low as 6.49% APR2
  • 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

Visit the campus bookstore at these universities today!

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

Two Easy Ways to Apply
In Person
Visit our SDSU, UCSD or UC Davis branch locations.

By Phone

All loans subject to credit approval. Rates, terms and conditions subject to change. 1. Estimated monthly payment at 7.99% APR is $31.43 per $1,000 borrowed for 36 months based on above average credit. New money only. Not available to refinance an existing USECU signature loan. 2. 6.99% APR effective as of 6/30/15. 6.49% APR with automatic payments from a USE Credit Union checking account. 36 monthly payments of $30.64 for every $1,000 borrowed at 6.49% APR. Must be 18 years of age to apply. Financing with approved co-signer available to applicants with no credit history.

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ABA Routing Number: 322281691
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