Personal lending: how we’re meeting our members where they are

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Maybe you’re finally ready to begin that passion project you’ve been dreaming about. Maybe you need some fast funds to cover an emergency. Or maybe you just want to feel a little more prepared for whatever comes next.

The past year has brought some unexpected challenges and each household has weathered them differently. At OCCU, we understand that no two financial journeys are alike. That’s why we’ve developed a suite of personal lending options to meet you where you are.

With multiple lending possibilities created for our members, you can weather life’s storms and stay on track to achieve your financial goals. Depending on your needs and financial situation, we’ve got the right solution for you. Here’s a look at the different lending possibilities we offer.

Personal Loan

Need a large sum of money? A personal loan can help you cover a large expense while making manageable monthly payments over time. Our personal loans allow you to finance as much as $50,000¹ at rates as low as 7.49% APR (annual percentage rate)²—plus we don’t charge any origination, service or annual fees.

A personal loan could be your best option when:

  • You want to consolidate your high-interest debts into a single lower payment.
  • You need help covering an unexpected repair or purchase.
  • You’re growing your family and could use some help covering adoption or medical expenses.

Personal Line of Credit

Want to create a little breathing room in your budget? A personal line of credit (PLOC) gives you the flexibility of having extra funds available if and when you need them. It works a lot like a credit card, but the interest rates are typically lower. Our PLOCs have rates as low as 9.00% APR³.

A PLOC is most useful for:

  • Launching your next passion project.
  • Preparing for a rainy day.
  • Providing overdraft protection.
  • Giving you ready access to funds when needed.

Priority Cash®

Things happen, and sometimes we get caught unprepared. In times of uncertainty, you can turn to OCCU for help. With Priority Cash, you can get access to up to $4,000 immediately. With no credit check required, approval takes just 60 seconds. Since we base our decision on your relationship with us, it doesn’t matter if you have less-than-stellar credit.

Priority Cash can be a lifeline for those who need quick access to funds in situations such as:

  • Lost income due to COVD-19.
  • Unexpected car repairs or medical expenses.
  • Any emergency requiring immediate financial relief.

Sometimes life throws you a curve ball. Sometimes your next goal is almost within reach and you just need a little nudge to help you get there. Either way, our lending solutions have you covered.

We’re here for you and ready to meet you where you are. Learn more about our personal lending options and find the right solution that fits your needs.


¹Loan amounts are based on credit qualifications.
²Depending on credit qualifications and term length, the APR is 7.49-19.49%. Rate is current as of 8/21/20.*
³The personal line of credit interest rate is a variable APR based on the prime rate, plus margin. Depending on credit qualifications, the APR is 9.00-22.99%. Rate is current as of 8/21/2020.