When life calls for a little extra help, Extra Credit Union’s personal loans are here for you. Consolidate debt, cover unexpected expenses, a first time borrower or need to fund a special purchase with flexible terms and affordable rates. We make it easy to borrow smart and stay in control of your financial goals.
Life happens—and Extra Credit Union is here to help you handle it. Our flexible personal loan options give you the support you need, whether you’re planning a big moment, covering an unexpected expense, or building your credit. Apply online, by phone, or in person and get the boost you deserve.
Simple, Affordable Borrowing
Borrow what you need with fixed rates and predictable payments for up to 72 months. We’ll work with you to set up a payment plan that fits your budget and sets you up for success.
Access Funds When You Need Them
Enjoy peace of mind with a pre-approved line of credit you can draw from at any time. With a fixed rate, no annual fees, and the potential to build your credit, it’s financial flexibility made easy.
Borrow Against Your Savings—Without Touching It
Use your savings or certificate funds as collateral to get the money you need while keeping your savings intact. It’s a smart way to build or strengthen your credit history.
Helping Teens Learn Smart Borrowing
Designed for members ages 13–19, our Youth Loans help young people cover important milestones like prom, school trips, and sports expenses—while learning how to manage money responsibly.
Be Ready for the Unexpected
When emergencies arise, get quick access to funds to handle medical bills, unexpected travel, or family expenses. Enjoy flexible terms, manageable payments, and no payments for up to 60 days to help you get back on track.
At Extra Credit Union, you're more than just a customer—you're a member-owner. We prioritize your financial well-being by offering personalized service, competitive rates, and a suite of benefits designed to help you achieve your goals.
Feeling buried by high-interest debt? You’re not alone — and you don’t have to face it by yourself. At Extra Credit Union, we created the Debt Crusher Program to give you a way forward. With one manageable monthly payment designed around your budget, we’ll help you take control, pay down what you owe, and finally breathe easier. We’ll even pay off your existing creditors directly — so you can stop stressing about balances and start moving forward.
Debt Crusher is built with you in mind.
We’ll start by reviewing your credit report — not to judge, but to understand your history and help you improve your score. Your loan amount is based on your monthly income, so payments are realistic and sustainable. Once approved, we’ll pay your creditors directly and help you close accounts that are keeping you stuck in the debt cycle.
Credit That Works for You
Drive Away with Confidence
Empowering Tomorrow’s Borrowers
Adventure Awaits – Finance It
Unlock personalized banking, exclusive rewards, and a community that supports you. Take the next step toward your financial freedom today.
