Personal Loans and Personal Lines of Credit

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 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 Personal Loan offers hefty purchasing power paired up with extended terms and highly competitive rates. You’ll get:

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

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 GOLD Digital Banking
Overdraft protection for GOLD Checking, linked to dedicated checks and your GOLD Debit Card (optional)

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Current Rates

Rates effective 05/01/2023

GOLD Personal Loan (up to $50,000)
Terms	APR¹ as low as
Up to 24 Months	9.25%
25-36 Months	9.99%
37-48 Months	10.25%
49-60 Months	10.49%
61-72 Months	11.99%

GOLD Personal Line of Credit
Term	APR¹ as low as
Revolving	11.50% Variable Rate²

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Save More on Your GOLD Loan

Members with GOLD Medal Checking³ are eligible for a relationship pricing discount⁴ on select new loans with GOLD when automatic payments are enabled. You can save 0.25% on the applicable annual percentage rate of new a fixed rate GOLD Personal Loan. Don't have GOLD Medal Checking yet? We'll walk you through how it works and the perks, and we can even open the account for you right alongside processing your loan.

¹ APR=Annual Percentage Rate. 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. ²GOLD Credit Union has the discretion to require collateral as a condition for approval. ³ To maintain eligibility for a GOLD Medal Checking account, members must have a minimum of $850 per month in deposits, $750 per month in withdrawals, and an active GOLD Debit or Credit Card. If the account does not meet these requirements for six consecutive monthly statement periods, the account will be converted to the GOLD Standard Checking account by the end of the seventh monthly statement period. Fees could reduce earnings; see fee schedule. ⁴ GOLD Medal Checking account holders are eligible for a .25% discount of the applicable annual percentage rate on new fixed rate home equity, auto, recreational vehicle, and personal loans. Discount is not retroactive to loans funded prior to opening GOLD Medal Checking. Direct deposit and automatic payments must be set up for the new loan to be eligible. If automatic payments are disabled or member no longer holds a GOLD Medal Checking account, loan rate discount will be removed effective at the time of the change in status. Monthly payments are calculated at the non-discounted rate. Not all applicants will qualify for loan approval. Other terms and conditions may apply. See credit union for details.

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 loan⁵ 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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Swoosh for Credit Insurance for Peace of Mind

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

¹APR=Annual Percentage Rate. 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. ²GOLD Credit Union has the discretion to require collateral as a condition for approval. ³ To maintain eligibility for a GOLD Medal Checking account, members must have a minimum of $850 per month in deposits, $750 per month in withdrawals, and an active GOLD Debit or Credit Card. If the account does not meet these requirements for six consecutive monthly statement periods, the account will be converted to the GOLD Standard Checking account by the end of the seventh monthly statement period. Fees could reduce earnings; see fee schedule. ⁴ GOLD Medal Checking account holders are eligible for a .25% discount of the applicable annual percentage rate on new fixed rate home equity, auto, recreational vehicle, and personal loans. Discount is not retroactive to loans funded prior to opening GOLD Medal Checking. Direct deposit and automatic payments must be set up for the new loan to be eligible. If automatic payments are disabled or member no longer holds a GOLD Medal Checking account, loan rate discount will be removed effective at the time of the change in status. Monthly payments are calculated at the non-discounted rate. Not all applicants will qualify for loan approval. Other terms and conditions may apply. See credit union for details. ⁵ Contact credit union for rate information.