Personal Loans

Personal Loans

The freedom to own your financial future.

A little extra financial peace of mind. When that’s your need, that’s what we’re here for. USC Credit Union offers personal loans and lines of credit for any purpose, with no collateral required. And every one of them is backed by a level of personalized service and attention you won’t get anywhere else. Affordable rates. More “yes” answers.

Personal Loans for Every Need

  • Enjoy a rate as low as 10.74% APR*
  • Affordable alternative to high-interest loans or credit cards
  • Borrow from $300 to $25,000
  • Loans for any purpose, from debt consolidation to weddings
  • No collateral required
  • Protect your payments with optional Peace of Mind Protection

Personal Line of Credit

A line of credit loan of your own.

A personal line of credit (PLOC) is revolving credit with a variable rate you can tap as needed. PLOCs can help cover income gaps or large, unexpected expenses. Apply only once and when you need funds, simply take an advance by check, phone or online. You pay interest only on the money you borrow – a great funding option for whatever life throws your way.

APR is accurate as of 7.8.2025

As low as:

12.10%

Personal Loan

Because life happens

When your finances need a bump, it’s not just about getting the extra funds you need. It’s also about peace of mind and knowing you made the right loan choice. Our affordable unsecured personal loans help you cover the expected and the unexpected.

  • Affordable fixed and variable rates, easy terms
  • Great for home repairs, remodeling or energy-efficient upgrades

APR is accurate as of 7.8.2025

As low as:

10.74%

Savings-Secured Loan

Borrow against your share savings.

You own shares. Let’s put them to work. As a USC Credit Union member, you can use your funds on deposit as collateral for a low-cost, savings-secured loan.

  • Affordable rates
  • Uses your savings as collateral

APR is accurate as of 7.8.2025

As low as:

3.05%

Certificate-Secured Loan

Double the savings power in your CDs.

A good certificate of deposit (CD) can pay nice dividends. You just need to give it the time to mature. Did you know that while you’re waiting, you can use USC Credit Union CDs as collateral for a low-cost certificate-secured loan?

  • Affordable rates
  • Uses CDs as collateral

APR is accurate as of 7.8.2025

As low as:

6.25%

Ready Funds

Ready with funds when you need us.

When life happens and you need cash fast, our Instant Loans are here for you – even if you don’t have perfect credit. That’s because at USC Credit Union, we base loan approvals on your relationship with us, not credit bureaus.

  • Borrow $300 – $800 at 19.50% APR1
  • $10 application fee1
  • Instant 60-second funding available!

APR is accurate as of 7.8.2025

As low as:

19.50%

Life Flex Loan

The quick cash zig to life’s zags.

Instant Loans are just that – instant! Even if you don’t have perfect credit, we’ve got you covered with a USC Credit Union Life Flex Loan. Like Ready Funds, we base approval on your relationship with us – no credit check required.

  • Borrow $600 – $4,000 at 18.50% APR2
  • $10 application fee2
  • Instant 60-second funding available!

APR is accurate as of 7.8.2025

As low as:

18.50%

Computer Loan

Connecting Trojans to tech

The Computer Loan Program offers a discounted rate3 and flexible repayment of up to 36 months on your next computer purchase from the USC Bookstore! Available to USC students, faculty, staff, alumni, and Trojan parents.

Here’s How It Works

  1. Receive a Computer Quote from the USC Bookstore.
  2. Apply for a USC Credit Union personal loan at a branch, by phone, or online. Use the promo code: USCTECH
  3. Upon approval, schedule pickup with the USC Bookstore!

Computer must be for personal use. Computer Loans are funded directly to the USC Bookstore.

APY is accurate as of 7.9.2025

Fixed as low as:

4.99%

Home Improvement Loan

Love where you live even more

Get your next project off the ground with a Home Improvement Personal Loan. 

  • Finance home repairs and remodels, including energy-efficient upgrades
  • Loans up to $25,000
  • No collateral required
  • For larger projects that require more cash and longer terms, consider these loan options:
    • Home Equity: financing up to $250,00 for 15 years
    • Solar: financing up to $100,000 for 20 years

APR is accurate as of 7.8.2025

As low as

10.74%

Which borrowing option is right for you?

Compare personal loan options
Features
Personal Line of Credit
Personal Loan
Savings-Secured Loan
Certificate-Secured Loan
Ready Funds
Life Flex Loan
Home Improvement Personal Loan
The right loan for you if:Apply once, access funds only as neededOne lump-sum, predictable paymentsEasier to qualify for, earn as you borrowEarn as you borrowYou need cash fastYou need cash fast, for larger expensesOne lump-sum, predictable payments
Application FeesNoneNoneNoneNone$10$10None
Credit Check RequiredYesYesNoneNoneNoneNoneYes
Annual Percentage Rates (APR)*As low as 12.10% APRAs low as 10.74% APRAs low as 3.05% APRAs low as 6.25% APRAs low as 19.50% APRAs low as 18.50% APRAs low as 10.74% APR. Need more options? See our home equity and solar loans
Time to Fund*Same daySame daySame daySame day60 seconds60 secondsSame day
Online/Mobile ApplicationYesYesYesYesYesYesYes

    Your personal loan rates are great and super easy to apply online.

    -Lourdes

    • Home Loans

      Starter home, second home or your “forever home” – whatever you call it, we can help you call it home with affordable fixed-rate and adjustable-rate mortgages.

    • Savings Accounts

      The best savings account is one that protects your financial well-being. USC Credit Union gives you a choice of four, plus the reliability, flexibility and convenience of being a member.

    • Direct Deposit

      Get paid early! Have your paycheck or any recurring payments deposited electronically into your checking account online. It’s safe, easy to set up, and a real timesaver.

      Let’s chat.

      Need help deciding on a product or service? Talk to a member associate. We’re always here to lend an ear and all the guidance you need.

      *Annual Percentage Rate (APR) is effective as of 7.9.2025 is based on creditworthiness and underwriting factors, and is our best rate. Proof of income may be required at the time of loan funding. Monthly payment per $1,000 for 12 months at 10.74% is $88.26. This payment example is for illustration purposes only. Your actual payment may vary. Interest rates currently vary from as low as 10.74% to 19.50% APR with terms ranging from 1 to 6 years. Membership eligibility requirements and membership fees may apply; please call (213-821-7100) or visit www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms, and conditions are subject to change without notice.

      1      Ready Funds: Annual Percentage Rate (APR) is effective as of 7.9.2025 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 6 months and are considered a member in good standing. Application available through online or mobile banking. No minimum credit score required.

      2Life Flex Loan: Annual Percentage Rate (APR) is effective as of 7.9.2025 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 6 months and are considered a member in good standing. Application available through online or mobile banking. No minimum credit score required.

      3Annual Percentage Rate (APR) effective as of 7.9.2025 and is based on creditworthiness and underwriting factors. Monthly payment per $1,000 for 12 months at 4.99% is $85.60. Must be a current USC student or faculty or staff, USC alumni, admitted USC student, or parent of current or admitted USC student. Proof of income may be required at the time of loan funding. Membership eligibility requirements and membership fees may apply; please call (213-821-7100) or visit www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms, and conditions are subject to change without notice.

      Membership eligibility requirements and membership fees may apply; please call (213-821-7100) or visit www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms, and conditions are subject to change without notice.