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

A Golden 1 Personal Loan is a quick and easy option for accessing funds you need to achieve your goals. You can use a Personal Loan1 to consolidate debt from credit cards and other loans or even make a large purchase.

Thinking about using a Personal Loan for debt consolidation? Learn more about the benefits debt consolidation can offer.

Why choose a Personal Loan?

1Subject to approval based on creditworthiness. Other limitations may apply. 2Term limits based on amount borrowed. $10,000 borrowed at 8.89% APR* for 36 months = $319.09 per month.

As low as 8.89% 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. 8.89% APR reflects a 0.75% 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 13.04% 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.