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Personal Loans

Take care of larger expenses or pay off other debt. Get the money you need quickly at a competitive and fixed rate.

Stay on top of your expenses with personal loans

No matter how prepared you are, life can throw unexpected expenses at you. Personal loans from Peak Credit Union can help you get ahead — whether you want to pay off debt or have an emergency.

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Get loans for a wide variety of needs

Personal loans can be used for many purposes, including the following:

  • Paying off other debts
  • Medical expenses
  • Major life events such as weddings
  • Larger expenses (vacations, hobbies, etc.)
  • Emergencies

Personal loans are available up to $50,000. Credit score, credit report, and debt-to-income ratio are used to qualify applicants for personal loans — as well as help to determine their loan rate.  

For more information about personal loans, call us at (800) 258-3115, or visit your local Peak Credit Union branch. 

Personal Loan Rates

Secured

APR* as low as

4.75%

Unsecured

APR* as low as

14.00%

*APR = Annual Percentage Rate. Rates range from 5.25% - 21.50% fixed APR. Rate may vary depending on your credit score. Term is determined by amount financed. Individual rates may vary. Rates, terms and conditions are subject to change and may vary based on creditworthiness, age and condition of collateral, and product selected. For details, please contact Peak Credit Union at (360) 357-9911 or (800) 258-3115.

Frequently Asked Questions

What can I use a personal loan for?
A personal loan can be used for almost any planned or unexpected expense. Members commonly use them for consolidating debt, home repairs, medical bills, moving costs, large purchases, or covering temporary gaps in income. Because these loans are unsecured, you don’t need collateral, just a qualified application.
How much can I borrow with a personal loan?

Loan amounts typically depend on your credit, income, and overall financial profile. Peak Credit Union offers flexible borrowing options to help meet different needs. If you’re unsure how much you may qualify for, we can review your application and give personalized guidance.

Does applying for a personal loan affect my credit score?

Checking your rate may involve a soft inquiry, which does not affect your credit score. If you choose to move forward with the full application, a hard credit check is required. This may have a small, temporary impact on your credit.

Can I use a personal loan to pay down other debt?

Yes. Many members use personal loans to combine higher‑rate credit card balances or other debts into one predictable monthly payment. This can make budgeting easier and may save you money on interest depending on your rates and terms.

What credit score do I need to qualify?
Peak Credit Union reviews your entire financial picture — not just your score. While higher credit generally leads to lower rates, we encourage anyone interested to apply or speak with a loan specialist. We’re committed to helping members find solutions whenever possible.

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