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Personal Loans

Community Alliance Credit Union Personal Loans

Personal Loans

Pay off credit cards, consolidate debt and more.

A personal loan is an easy solution to give you the cash you need with no collateral required to secure the loan with a fixed monthly payment over a set period of time. Use it to pay off higher rate credit cards, consolidate debt, go on vacation, a wedding, and more.

Make the Holiday Season Brighter - No Payments for 60 Days!* Ends 1/31/18.

Sample repayment plan as low as 8.00% APR*
$1,000 12 Months $89.09*
$7,000 48 Months $184.33*
$15,000 60 Months $333.40*

 

 

 

Save .25% or .50% on your interest rate:

With automatic payments you'll save time and money.  At closing, we can show you how to make payments through regular monthly deductions from your paycheck or checking account.

  • Receive a .25% APR discount with automatic transfer payment from your CACU Regular Checking
  • Receive a .50% APR discount with automatic transfer from your CACU Interest Checking

(Can not be combined with any other offers) 

Easy Ways to Apply

  • Apply Now!
  • eSign your documents.  Complete the loan application process without having to leave your home!
  • Call us at 800.287.0046 or come into the Credit Union 7 Days a Week 
  • Call our 24/7 Loan Center at 866.398.6660

*APR=Annual Percentage Rate based on individual creditworthiness. Loans cannot be used to refinance existing loans at CACU. Interest on this loan begins to accrue from the date the loan is disbursed.  You may elect to have your payment for the first two months be $0.00.  Payments shown are based on a rate of 8.00% APR and are only estimates and include optional single life and disability insurance. 
 


Santa's Helper Loan - NO Credit Check

Hurry!   Offer ends Saturday, December 23, 2017.

  • $1,000 Maximum*
  • 12 Month Term
  • 18% APR

Santa's Helper Loan Qualifications:

  • Member for at least six (6) months, and in good standing
  • Direct deposit with Community Alliance Credit Union for the past 3 months
  • Not currently in bankruptcy
  • Not past due on any current or previous Community Alliance loans
  • One Santa's Helper Loan per household

Payment Options:

12 Months Debt Protection $94.09
12 Months No Debt Protection $91.68

 

 

 

*Subject to a $50 processing fee with automatic payment transfer from a Community Alliance Checking Account. Other restrictions may apply. Payments shown are estimates. Your first payment is due 30 days after loan is closed/disbursed.


Anytime Cash

This is an unsecured line-of-credit loan with limits available from $1,000 up to $15,000.  Once approved, you can access your loan anytime from just about anywhere. Features include:

  • Overdraft protection on your Checking Account
  • You can transfer money from your Anytime Cash Loan to your checking or savings through Internet Banking, Mobile Banking or In-Touch

Educational Loans

Educational Loans

Community Alliance Credit Union provides a competitive loan product for all your educational needs. Your educational loan can be used for college, technical school, or any kind of secondary education. Just provide us with invoices or receipts for educational expenses. If you opt for direct deposit, we can also offer you a rate reduction!  Get current rates.

 


Share Secured Loans

Obtain a low-rate loan by securing the loan with funds in your share account, certificate of deposit, or money market account.  As the loan is paid down, those funds are released back to your account, leaving your savings intact.


Express Pay

With your authorization, the Credit Union can pull money from your other financial institution to pay your loan(s) with us electronically.  When you sign up for this service you will no longer need to mail in a payment for your loan(s).

Enrollment is easy.  Complete this authorization form and return it to the Credit Union.  If you need assistance, contact one of our Accounting Representatives.

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