Personal credit Loans


Need a little financial breathing room? USC Credit Union is honored to help you attain financial success, one step at a time. We’ll help you find the right product that meets your needs and empowers you to own your financial future. As a USC Credit Union member, you’re more than a customer—you’re an owner. Because we don’t have shareholders, we can pass along our profits to you through better rates. We put your financial success in your hands—where it belongs.

We offer a complete selection of unsecured loans for any purpose, including personal loans, lines of credit, and more. We’re committed to providing you with a level of personalized service and attention you won’t get at banks or with other lenders, with lower rates and more frequent “yes” answers.

Line of Credit

A line of credit can serve a handy emergency fund or a way to pay for something that is out of your financial reach. Apply only once and when you need additional funds, you simply take an advance by check, phone or online. Unlike a typical loan, you make payments only on the credit you’ve actually used.

Tackling a large home improvement project or dealing with a potentially unpredictable expense? A Personal Line of Credit could be the perfect solution for you. Even though you make payments on the amount of credit you use, knowing that you can borrow the maximum amount may provide you with something priceless: peace of mind.

as low as

Prime +


All loans are subject to approval. Minimum direct deposit of $100 required. Minimum payment: $25. Balance must be paid in full on next payday. At least one direct deposit must be received before advances are permitted.

Term Loans

A term loan is money borrowed that is repaid in regular payments over a set period of time. USC Credit Union can help you reach your personal or business goals with one of our many term loan products.

Unexpected expenses and cash emergencies can happen to anyone. But you don’t have to end up trapped in a cycle of debt or pay outrageously high-rates and fees to high-rate lenders.

Our Signature Freedom Loan offers flexible loan amounts to fit your needs with a low, fixed rate guaranteed for the life of your loan. Perks of this loan include fixed monthly payments, flexible payback terms up to 48 months, fast approval, and a convenient automatic payment option.

Representative monthly payment example per $1, 000: $85.61 for 12 months at 5.00% APR, $43.87 for 24 months at 5.00% APR, $29.97 for 36 months at 5.00% APR, $23.03 for 48 months at 5.00% APR, $18.87 for 60 months at 5.00% APR, and $16.10 for 72 months at 5.00% APR.

A personal loan can be used for anything you choose. Ideal for non-homeowners or those who prefer not to borrow against their homes, unsecured personal loans can be set for a fixed-term (so your payments are always the same) or for an open-ended amount (up to an approved limit).

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Interesting facts

  • Student loans in India (popularly known as Education loans) have become a popular method of funding higher education in India with the cost of educational degrees going higher. The spread of self-financing institutions (which has less to no funding from the government) for higher education in fields of engineering, medical and management which...
  • An auction rate security (ARS) typically refers to a debt instrument (corporate or municipal bonds) with a long-term nominal maturity for which the interest rate is regularly reset through a dutch auction. Since February 2008, most such auctions have failed, and the auction market has been largely frozen. In late 2008, investment banks that had...

Additional information

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Popular Q&A

best paid day loan sites? | Yahoo Answers

If you are not prepared for a financial emergency, you are not alone. Most double and single income households do not have the resources saved to protect themselves in an emergency!
Behind on a monthly utility? No big deal for some, but for those who are just a short time from payday, the costs of paying for utility re-connects far outweigh the cost of most payday loans. So, why not just kite a check? Now you are facing the possibility of the check bouncing and having to pay the bounce fees (usually very high).

UN paid pay day loan - can you really go to jail ?

They cannot put you in jail for not paying your debts. The worst they can do is sue you and have you served with the lawsuit at your job. Fraud is difficult to prove and assuming the loan is for a relatively small amount, it probably is not worth it to pursue criminal charges. I doubt that the district attorney would even take the case.