For all of your personal loans needs, we are ready to help. Now you can apply, 24 hours a day, online or over the phone at 805.477.4000 or 800.339.0496.


With AdvantageLine, you can write yourself an instant loan any time you need cash quickly. Apply once and upon approval, a credit limit will be established for you. Then, borrow as much as you want, up to your limit. There is no initial advance required, so you can apply today and start to use it when you choose. You pay interest only on the amount you actually use and, as you make payments, your available credit is replenished, ready for future needs. Complete an online application today and take advantage of AdvantageLine.

Share Secured Loans

The best loan around! The amount you can borrow depends on how much you have on deposit with VCCU. The loan rates are the lowest we offer. You continue to earn Dividends on your Savings or Certificates, although there will be a hold on the amount equal to your loan balance.

Signature Loans

A Signature Loan is a great way to get the money you need for the things that you want. Want to go on a vacation? Are home improvement projects piling up? Have a wedding coming up? We have a loan for that! - VCCU's Signature loan, unlike AdvantageLine, is a closed-ended loan meaning meaning that your payments are fixed – they won’t change during the term of the loan, making it easier on your budget. If there is something you need money for, a Signature Loan is perfect for you. Take a look at our new LOW RATES or APPLY ONLINE today.