Personal Loans

Borrow the money you need to pay for the things you want.

Apply Online: Personal Loans Request an Appointment: Personal Loans

Affordable loan options to fit your budget.

Personal financing to pay for something special or buy yourself some financial breathing room.

Ventura County Credit Union Personal Loans come with attractive interest rates and, best of all, no strings attached as to how you use the money.

AdvantageLine Loans

Get fast access to money when you need it. Pay interest only on funds you use.

  • Can be linked to any of your savings accounts, checking accounts or other accounts to cover overdrafts
  • Line of credit with an established borrowing limit
  • Access funds at ATMs throughout Ventura County and Santa Barbara County or through Online and Mobile Banking
  • As you repay the borrowed amount, those funds become available for future use

Share Secured Loans

Get the money you need without digging into your long-term savings.

  • The lowest interest rate of all of our loan options
  • Borrow up to the amount deposited in a VCCU account
  • Deposits in your Savings, Money Market and Share Certificate Accounts will continue to earn dividends
  • Paying off secured loans can help you build your credit score or repair your credit history

Signature Loans

Borrow money for the things you might need, without breaking your budget when it comes time to make payments.

  • Ideal when planning a big project or event, such as home repairs, a wedding or a vacation
  • Fixed-rate, close-ended loans, meaning your payments will stay the same month to month
  • Fast, easy online application process puts money in your hands sooner

VCCU is a full-service, Southern California credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark. If you live, work or attend school in Ventura or Santa Barbara Counties, you are eligible to join



Outstanding service in arranging for a personal loan. I hold 3 separate accounts at VCCU and their support has always been superb.

William Z., Thousand Oaks Branch

*Annual Percentage Rate. All loans subject to approval.