BECAUSE LIFE HAPPENS.

Personal loans when you need extra cash.

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As a unique individual with personal goals, you deserve a personal loan that fits your needs. That’s why our loans and lines of credit aren’t one-size-fits-all. Instead, they offer flexibility and low rate options when you need them the most.

Personal Loan


The Golden 1 Personal Loan is a quick and easy option when you need extra funds. Whether you will be using the funds for an unexpected event or a vacation of a lifetime, a Golden 1 Personal Loan1 can help. You can borrow as little as $5002 with most loans funding within one to two business days!

Added benefits:

1Subject to approval based on creditworthiness. 2Cumulative unsecured credit limit maximum is $75,000 per member. 3Term limits based on amount borrowed. 

10.04% to 17.04% APR*

*All loans subject to approval. Annual Percentage Rate (APR). Rates vary with term, and your credit history. Late payment fee is $15.

 

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Personal Line of Credit


A Golden 1 Personal Line of Credit offers you the ability to conveniently borrow money with some unique benefits. This unsecured loan differs from a home equity line of credit by giving you immediate access to emergency funds without having to put your home (or other assets) up as a guarantee to repay the funds.

Whether you intend to use it today to consolidate high interest rate credit card balances or tomorrow to cover unexpected cash expenses, you’ll have peace of mind knowing that a Golden 1 Personal Line of Credit is available when you need it.

Benefits of a Golden 1 Personal Line of Credit :

1The cumulative limit for unsecured credit per member is $75,000

9.29% to 15.29% APR*

*Annual Percentage Rate (APR) may vary and is based on the Wall Street Journal Prime rate plus a margin of 4.54%, 6.54%, 7.54%, 8.54%, or 10.54% depending on credit history. Rates are adjusted quarterly based on an increase or decrease in the "U.S. Prime Rate" as published on the last business day of each quarter (December, March, June, September) in the "Money Rates" column of The Wall Street Journal. Personal lines cannot exceed 18%. Rates, terms, and conditions subject to change.

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Starter Loan


The perfect loan for establishing new credit.

 

16.25% APR*

*Annual Percentage Rate (APR). Rates vary with amount financed, term and your credit history. Late payment fee is $15.

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Certificate and Savings Secured Loan


These types of loans are secured by the funds in your own Term-Savings Certificate Account or savings account, so it’s perfect for members who want to establish or rebuild credit.

All loans subject to approval. Cumulative unsecured credit limit maximum is $75,000 per member.

Low interest rates
Flexible terms³
No collateral required
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Low variable rates
Credit extensions from $500 to $30,0001
No collateral required
No prepayment penalties
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Borrow up to $1,500, or up to $2,500 with a guarantor or co-signer
Low interest rates
No collateral required
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Low interest rates
Dividends continue to accrue on Certificate
No loan maximum
Flexible repayment terms
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All loans subject to approval. Cumulative unsecured credit limit maximum is $75,000 per member. 

There are no prepayment penalties for Personal Loans, Starter Loans, or Certificate and Savings Loans (penalties could apply to other types of loans; refer to your loan documentation for details). Please note that making large, lump-sum payments will lower your principal balance, but will not advance your due date more than 60 days.

FAQ


Home Equity Loans and Lines of Credit

Build a brighter future. Our secured home equity loans and lines of credit let you renovate without the high rates.

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Golden 1 Platinum Rewards Credit Cards

Our Golden 1 credit cards have no annual fees, low interest rates, and offer great reward options.

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