Credit Union Loan Options

We offer a wide selection of loan products and services for every stage of life

    At USC, we understand the importance of acquiring a loan for life’s biggest purchases. Whether you’re buying a car, upgrading your house, or heading off to college, borrowing from our credit union will help you handle finances stress-free. Shopping for personal loans can be overwhelming, that’s why our process is simple to apply for a loan and get started on your next adventure.

    Instant Loans

    USC Credit Union membership comes with privileges, and you can add our Instant Loans to the list. We’re here for you when life happens, and you need cash fast. You don’t need perfect credit to get money when you need it most. Approval is based on your relationship with us, not the credit bureaus.

    It’s easy to apply for an Instant Loan. You can do it anytime through your online banking!

    Ready Funds

    Ready Funds are a smarter alternative to other high-cost options and help you to build or repair credit. While no credit check is required, we will report repayment history to the credit bureau.

    • Must be a credit union member for at least 3 months
    • $10 application fee
    • Borrow between $300 and $800
    • 19.5% APR*
    • No credit report required
    • Repayment period up to 4 months
    • Maximum two loans at a time
    • No more than three loans in 12 months
    • Can be used to build or repair credit
    • Eligibility for Primary members only
    Apply Through Online Banking
    Life Flex Loan

    We’ve got you covered with a Life Flex Loan. Cash to cover the unexpected can be yours in minutes. A Life Flex Loan is a fast and easy way to put a couple hundred or a couple thousand dollars into your account with just a few clicks in online banking.

    • Must be a credit union member for at least 2 months
    • $10 application fee
    • Borrow between $600 and $4,000
    • 18.5% APR**
    • No credit report required
    • Maximum two loans at a time
    • No more than three loans in 12 months
    • Eligibility for Primary members only
    Apply through Online Banking
    *Annual Percentage Rate (APR) is effective as of 11/04/2021 and is based on eligibility and underwriting factors. The APR is a fixed rate for the duration of the loan. Monthly payment per $500 for 3 months at 19.50% is $166.67. This payment example is for illustration purposes only. Your actual payment may vary. The minimum loan amount is $300, and the maximum loan amount is $800. A $10 application fee will be charged to your account when you submit your application. Loans are available to members who meet certain eligibility requirements, who have been with the credit union a minimum of 90 days and are considered a member in good standing. Application available through online or mobile banking. No minimum credit score required.

    **Annual Percentage Rate (APR) is effective as of 11/04/2021 and is based on eligibility and underwriting factors. The APR is a fixed rate for the duration of the loan. Monthly payment per $1,000 for 12 months at 18.50% is $83.33. This payment example is for illustration purposes only. Your actual payment may vary. The minimum loan amount is $600, and the maximum loan amount is $4,000. A $10 application fee will be charged to your account when you submit your application. Loans are available to members who meet certain eligibility requirements, who have been with the credit union a minimum of 90 days and are considered a member in good standing. Application available through online or mobile banking. No minimum credit score required.

    Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms, and conditions are subject to change without notice.

    Vehicle Loans

    Vehicle Loans

    More than just a car loan, USC Credit Union offers vehicle loans to help fund the purchase of any vehicle, from used cars to new cars. No matter what you’re shopping for, we want you to get a deal you’ll be proud of. To make that happen, we’ve priced our used car loan rates as low as our new car rates.

    Whatever kind of vehicle loan you need, whether it’s a small car loan for a new daily driver or a bigger loan to pay for your old dream hot rod, USC Credit Union offers the same kind of convenience, security, and flexibility you’ve come to expect from our credit union loans. Take a look at our current rates and vehicle buying services and get back on the road faster than ever before!

    as low as
    3.49%
    APR
    Vehicle Refinancing

    Reduce your interest or monthly payment (or even both!) by refinancing your loan from another lender with a car refinance loan or vehicle refinance loan from USC Credit Union. Because our members are owners, we’re able to pass along our profits to you through better rates. And we never charge an application fee for our car loans. Take a look at our current car loan refinancing rates and see what a refinanced vehicle loan through USC Credit Union can do for your wallet.

    as low as
    3.49%
    APR

    Credit Union Credit Cards

    As a member of USC Credit Union, we consider you an owner. Because we don’t have shareholders, we pass along our profits to you through better rates on all of our financial solutions and banking options.

    Our Mastercard credit cards have no annual fees and no foreign transaction fees, making us the smart consumer’s best choice. Apply for a credit card today to build your credit with competitive perks and interest rates.

    Truth in Lending Disclosure

    Special Introductory Offer on our Platinum, Rewards, and Student Mastercards
    0%* APR* for your first 15 billing cycles for purchases & balance transfers made within 6 months of opening your account. After that, standard variable APR* will apply.

    A 3% fee (min $10) applies to balance transfers during the introductory period. After the introductory period there is no balance transfer fee.

    Platinum Rewards MasterCard

    With a low variable rate and free rewards including cash back, travel, charitable donations and brand-name merchandise, the USC Credit Union Platinum Rewards credit card sets the standard for the card that pays you back. You’ll enjoy distinctive features like NO annual fees, NO balance transfer fees, and NO foreign transaction fees.

    Click Here for Full Disclosure

    Learn more about Platinum Rewards MasterCard

    Apply Now
    Platinum MasterCard

    An essential credit card that offers the lowest rates around (we’ve checked!) and benefits like NO annual fees, NO balance transfer fees, and NO foreign transaction fees.

    Click Here for Full Disclosure

    Learn more about Platinum MasterCard

    Apply Now
    Secured Mastercard

    This card can help you build or rebuild your credit responsibly. With an initial deposit equal to your credit line, you can be on your way to a solid score. Plus, you’ll enjoy distinctive features like NO annual fees, NO balance transfer fees, and NO foreign transaction fees.

    Click Here for Full Disclosure

    Learn more about Secured Mastercard

    Apply Now
    Student Mastercard

    An essential credit card for USC students that help students build a strong credit history with on-time payments. Generally, a cosigner will improve a student’s chance of qualifying. Plus, benefits like NO annual fees, NO balance transfer fees, and NO foreign transaction fees, make this the perfect card for newly-minted Trojans looking for their first credit card.

    Click Here for Full Disclosure

    Learn more about Student Mastercard

    Apply Now

    Refinance Options

    Fixed-Rate Mortgages

    A fixed-rate mortgage ensures that your monthly payment remains the same throughout your loan term.

    10, 12, 15, 20, and 30 year fixed.

    Learn more about Fixed-Rate Mortgages

    Apply Now
    Adjustable-Rate Mortgages

    An adjustable-rate mortgage (ARM) gives you the benefit of locking in a low fixed interest rate for a certain number of years, then adjusts after the fixed term expires.

    5/6, 7/6, and 10/6 Adjustable-Rate Mortgages

    Learn more about Adjustable-Rate Mortgages

    Apply Now

    Use Equity

    Home Equity Line of Credit (HELOC)

    As a homeowner, you can tap your equity easily and affordably for any purpose. Upon approval of your HELOC, we’ll establish a credit limit, so you will only need to apply once for this revolving line of credit. And, since you only pay interest on the actual amount you use, it’s perfect for an emergency fund!

    Traditional or Interest-Only

    Learn more about Home Equity Line of Credit (HELOC)

    Apply Now
    Closed End Home Equity Loan

    A Closed End Home Equity Loan is a fixed-rate equity loan perfect for when you’re borrowing for a specific purpose. Borrow only as much as you need!

    • $10,000 to $250,000
    • 10- or 15-year terms
    • Fixed-rate payments that never change

    Fixed-Rate Equity Loans

    Learn more about Closed End Home Equity Loan

    Apply Now

    Purchase Options

    Fixed-Rate Mortgages

    A fixed-rate mortgage ensures that your monthly payment remains the same throughout your loan term.

    Traditional or customized loan terms

    Learn more about Fixed-Rate Mortgages

    Apply Now
    Adjustable-Rate Mortgages

    An adjustable-rate mortgage (ARM) gives you the benefit of locking in a low fixed interest rate for a certain number of years, then adjusts after the fixed term expires.

    5/6, 7/6 and 10/6 Adjustable-Rate Mortgages.

    Learn more about Adjustable-Rate Mortgages

    Apply Now

    Term Loans

    A term loan is money borrowed that is repaid in regular payments over a set period of time. USC Credit Union can help you reach your personal or business goals with one of our many term loan products.

    Trojan Advance Loan
    Unexpected expenses and cash emergencies can happen to anyone. But you don’t have to end up trapped in a cycle of debt or pay outrageously high-rates and fees to high-rate lenders.
    as low as
    18.00%
    APR
    Personal Loan

    A personal loan can be used for anything you choose. Ideal for non-homeowners or those who prefer not to borrow against their homes, unsecured personal loans can be set for a fixed-term (so your payments are always the same) or for an open-ended amount (up to an approved limit) and can help finance big purchases, make home improvements, and even consolidate high rate debt into one easy monthly payment.

    as low as
    8.49%
    APR

    Deposit-Secured Loans

    Two convenient ways to use your own money for your borrowing needs are with a Share-Secured Loan and a Certificate-Secured Loan. By using funds that are currently on deposit, you maximize use of your money while still maintaining a savings balance. Better yet, you’ll continue to earn dividends on your savings balance in a Gold or Trojan account. When you repay your loan, you’ll still have your savings!

    Share-Secured Loan

    Use your funds on deposit at USC Credit Union as collateral for a low-cost loan. The amount you pledge will be frozen and released as you make payments.

    as low as
    3.05%
    APR
    Certificate-Secured Loan

    Borrow funds by using your USC Credit Union Certificate of Deposit (CD) as collateral. Loan repayment begins soon after the loan has been borrowed and must be paid by the end of the maturity date.

    as low as
    3.55%
    APR

    Line of Credit

    A line of credit can serve a handy emergency fund or a way to pay for something that is out of your financial reach. Apply only once and when you need additional funds, you simply take an advance by check, phone or online. Unlike a typical loan, you make payments only on the credit you’ve actually used.

    Personal Line of Credit

    Tackling a large home improvement project or dealing with a potentially unpredictable expense? A Personal Line of Credit could be the perfect solution for you. Get instant, ongoing funds for your goals and only pay interest on the money you borrow, making it a great funding option for whatever life throws your way.

    as low as
    10.85%
    APR