Personal loans that stay close to home
Get the funds you need for emergencies, home upgrades, and more from people who know you and your community best.
Your plans, our support
Whatever you need it for, we’re here with personal loans that keep things personal and practical.
Unsecured Personal Loans
Need cash for an emergency home repair or to fund a personal goal? An unsecured personal loan from Palisades Credit Union could be the answer!
- Competitive rates and terms
- Borrow up to $30,000
- Get approved based on your credit history and income
- Use the funds for anything, from debt consolidation to home improvements
Secured Personal Loans
Want to access funds at a lower interest rate? Borrow against your savings or certificate account and enjoy greater savings with a secured personal loan.
- Get a more affordable loan by using your savings as collateral
- Build or repair your credit score responsibly
- Borrow up to the amount of your deposit
“Andre helped me seamlessly with a personal loan. The whole process was finished in its entirety within 1 day, and all over the phone. Andre was easily accessible and helped me with any questions I had, guiding me in the right direction. This is not the first time I’ve used PCU and I’ve recommended them to multiple people.”
- Erica S.
- Palisades CU Member
Lending that puts you first
Here to give you flexibility and peace of mind. Borrow what you need for just about anything, and manage it easily with digital banking.
No collateral needed for unsecured personal loans
Fixed, predictable payments
Flexible loan amounts—borrow only what you need!
Use funds for just about anything
Easy loan management with digital banking
Put your plans in reach
Estimate your monthly payment and explore personal loan options for life’s needs.
Learn, grow, and thrive
From budgeting tips to credit-building advice, we’re here to help you make smart financial decisions with confidence.
Current personal loan rates
Personal Loan FAQs
Common questions about our personal loans.
What can I use a personal loan for?
Almost anything! Common uses are home improvements, debt consolidation, emergency expenses, vacations, weddings or family milestones, and other major purchases.
How much can I borrow with a personal loan?
Borrow only what you need—up to $30,000.
How fast can I get the funds?
Our approvals are made locally, so you’ll get a decision quickly. In most cases, funds can be available within just a few days.
Can I pay my loan off early?
Absolutely. There are no prepayment penalties, so you can pay off your loan early and save on interest!
How do I apply?
You can apply online in minutes, visit one of our branches, or call us for personal assistance. We’ll guide you through every step.
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We’re in your corner
Smarter accounts, real rewards, and the convenient tools you rely on. Get it all from a local credit union rooted in New York and New Jersey.
