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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.

Simplify Your Debt. Strengthen Your Financial Future.

Consolidate higher-interest debt with a Peak Credit Union Personal Loan. Enjoy a fixed rate, flexible repayment terms, and a clear payoff timeline so you always know where you stand.

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Get loans for a wide variety of needs

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

  • Consolidate debt
  • Medical expenses
  • Major life events such as weddings
  • Larger expenses (vacations, hobbies, etc.)
  • Emergencies

Personal loans are available up to $50,000. Your eligibility and rate are based on factors such as credit history, debt-to-income ratio, loan term, and other qualification criteria.

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

8.49%

*APR = Annual Percentage Rate. Secured loan rates range from 4.75% - 6.25% and unsecured loan rates range from 8.49% - 21.99% fixed APR. Rates vary based on creditworthiness and selected term. Maximum term may vary based on the amount financed. Rates, terms, and conditions are subject to change. 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 or large purchases. 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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