A Loan that Works for You

Sometimes the thing you need the most to keep moving forward is cash, pure and simple. Life doesn’t always go how you plan—emergency expenses, medical bills, home repairs, or large purchases can pop up unexpectedly. When your savings account comes up short, a GOLD Hardship Loan or Personal Loan can get you the cash you need. You deserve financial stability during uncertain times; GOLD can help.

Prepare for the unexpected in advance with a GOLD Personal Line of Credit (PLOC) that’s there when you need it. You only pay interest on what you use, so if you don’t need it, there’s no expense. And if you do, you’ve got a line of credit available to help.

GOLD Personal Loan

A personal loan makes it easy to afford the projects you have on the horizon. They're ideal for financing a single expense, large or small. For instance, many of our Members have used their loans to consolidate debt, pay off medical bills, or cover a hefty, unexpected auto repair. You'll receive one lump sum upon signing your loan and pay it back in fixed monthly payments.

Because expenses aren’t one-size-fits-all, our personal loans aren’t either. The GOLD Hardship Loan is designed for small expenses with ultra-low rates to match. The GOLD Personal Loan offers hefty purchasing power paired up with extended terms and highly competitive rates. Either way, you’ll get:

  • Competitive interest rates 
  • Flexible terms 
  • No collateral2
  • No prepayment penalties or fees 
  • Fast, easy online approval process 

GOLD Hardship Loan 

For a small expense or short-term financial hiccup, the GOLD Hardship Loan can get you back on track with loans up to $5,000, terms up to 24 months, and rates as low as 0.99%. 

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GOLD Personal Loan

Borrow up to $50,000 in a GOLD Personal Loan and stretch your term as long as 6 years with a highly competitive interest rate.

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GOLD Personal Line of Credit

A GOLD Personal Line of Credit (PLOC)1 is a flexible credit option that gives you quick access to funds 24 hours a day, 7 days a week. This revolving line of credit will help you keep cash on hand for varying or unexpected expenses. A common use for our Members is to finance home renovations and other ongoing projects.

Apply once and keep your line open for continued use up to your approved limit. Not only is our PLOC all about convenience and flexibility, on top of all that it's also got a very competitive interest rate. Unlike many other places, there's no additional fee each time you use your loan!

With a PLOC from GOLD, you'll enjoy:

  • A credit limit of up to $50,000
  • Competitive interest rates
  • Interest paid only on what you use
  • No application or annual fee
  • Continued access to funds with a single approval process
  • Easy access to your funds via Online Banking and the GOLD App
  • Overdraft protection for GOLD Checking, linked to dedicated checks and your GOLD Debit Card (optional)
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Current Rates 

Rates effective 11/01/2020
 

GOLD Personal Loan (up to $50,000)
Terms APR1 as low as
Up to 24 Months 4.75%
25-36 Months 5.75%
37-48 Months 5.75%
49-60 Months 6.75%
61-72 Months 7.75%

GOLD Personal Line of Credit
Term APR1 as low as
Revolving 6.75% Variable Rate2
 
GOLD Hardship Loan (up to $5,000)
Terms APR1 as low as
Up to 6 Months 0.99%
7-12 Months 1.99%
13-24 Months 2.99%



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GOLD Share Secured Loan

Don't have the best credit score? Our Share Secured Loan is ideal for borrowers with damaged or no credit. You borrow against the balance of your existing GOLD Share Savings Account and receive a low-rate loan3 to be repaid in fixed monthly payments.

Even better? You continue to earn dividends on the full balance of your account. Give us a call if you want to talk through this option to rebuild credit: 484-223-4216.

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Credit Insurance for Peace of Mind

We love helping our Members achieve their goals — financial and otherwise — but we understand that life isn't always so cheery.

That's why GOLD Credit Union is here even when things go astray. Our Credit Insurance can help protect you against missed loan payments, should you face debilitating injury or illness. It's the best way to keep your family covered in times of crisis.

Personal loans your way!

Call 484-223-4216 for a free quote or to apply for your GOLD Personal Loan online. 

Apply for a personal loan
Credit Union eligibility and Membership are required prior to opening an account or loan. Rate, term, and loan or line of credit amount vary based on credit review. Line of credit rate is variable, rate is equal to Prime Rate plus a margin, and subject to change without notice. Not all applicants will qualify for approval. Other fees, terms, and conditions may apply. Refinance of current GOLD Personal Loans: current loan balance needs to be equal to 50% or less of the new loan balance.GOLD Credit Union has the discretion to require collateral as a condition for approval. ​Credit union eligibility and Membership are required prior to opening an account or loan. Verification or affirmation of Membership eligibility may be required. Other terms and conditions may apply. See credit union for details. ​4 Contact credit union for rate information.

You are now leaving GOLD Credit Union's website. This site is provided with the sole intent of providing helpful and convenient information for our members. We recommend that you consult the privacy disclosure on all websites before continuing. GOLD Credit Union is not responsible for any content on any other website, and does not represent either the third party or you, the member, if you enter into a transaction.

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