Taking Control Of Your Money

Our goal at Ventura County Credit Union is to give you access to personal loan options that give you the financial freedom to lead the life that you want. Whether you’re looking for a loan that will help you strengthen your credit, or simply want to have access to money whenever you need it, we have a loan that will meet your needs. With low interest personal loan rates and an easy application process, nothing is holding you back from taking control of your finances today.

We proudly serve Ventura and Santa Barbara Counties with offices in Ventura, Port Hueneme, Oxnard, Camarillo, Thousand Oaks, Moorpark or Simi Valley, California.  You can apply 24/7 through our online application form or over the phone at 805.477.4000 or 800.339.0496.

Types of Loans Offered

At Ventura County Credit Union, we’ve created a variety of loans that are ideal for a wide range of financial situations.  If you are unsure about which loan would be best for you, or how you could benefit from getting a personal loan, don’t hesitate to contact us.


Our AdvantageLine loan is designed for those of you who want access to money at the exact moment you need it, without having to worry about the time that you’re not using it.  Once you are approved for this loan, a line of credit will be opened for you with an established borrowing limit.  There’s no initial advance required, and you can borrow at any time during the life of your account. The best part is you are only charged interest on the amount of money you actually use.  As you make your payments on the borrowed amount, it replenishes your credit line and makes it available for use in the future. 

Share Secured Loans

With our Shared Secured loan, you get to take advantage of the lowest interest rate out of all of our loan options.  You can borrow as much money as you need as long as you have that amount of money deposited in an account here with us at Ventura County Credit Union. All money that you have deposited with us in a savings or Certificate account will continue to earn dividends, making you money. However, should you take advantage of a share secured loan, we will place a hold that is equal to the loan amount that you are approved for.

Signature Loans

Our Signature loans allow you to borrow money for the things you need now, without breaking your budget when it comes time to make payments. This type of loan is ideal for those who have a big upcoming project or event, such as home repairs, a wedding or taking a vacation. Our Signature loans are “closed-ended”, meaning that your payments will always be the same throughout the entire life of the loan for the purpose of easing the burden on your budget. In addition to fixed payments, you can enjoy the low interest rates that come with all of the VCCU personal loan options. 

Apply For A Personal Loan Today!

Our loans are carefully crafted to give you the financial freedom that you deserve. You don’t need to go through life not having access to money when you need it most. Apply for a VCCU personal loan today either online or by phone. The application process is quick and easy. We’ve helped many in the Ventura County and Santa Barbara areas manage their finances, and we can help you do the same. Contact us and we’ll happily answer any questions that you have about VCCU or our loans.

All loans subject to approval.