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.


For a limited time, personal loan rates are as low as 4.74% APR for members of at least 6 months who apply online or through the mobile app. You must apply by March 31, 2022. Consolidate your debt and save on interest today!

  • Get a credit decision in minutes!

  • No origination fees or prepayment penalties.


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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 expense or to consolidate debt, a Golden 1 Personal Loan1 can help. And you can borrow as little as $1,000. Added benefits:

1Subject to approval based on creditworthiness. Other limitations may apply. 2Term limits based on amount borrowed. 

As low as 4.99% APR*

*All loans subject to approval. Annual Percentage Rate (APR). Late Payment fee is 5% of the past due amount or $15, whichever is greater. 4.99% APR reflects a 1% discount for members who have an account open for at least 6 months prior to application submission. Rates vary with term, and your credit history.

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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 :

1Subject to approval based on creditworthiness. Other limitations may apply.

As low as 7.79% APR*

*Annual Percentage Rate (APR) may vary and is subject to change.

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Credit Starter Loan

The perfect loan for establishing new credit.


16.25% APR*

*Annual Percentage Rate (APR). 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.


Subject to approval based on creditworthiness. Other limitations may apply.

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.