Spectrum’s no collateral Personal Loans and Personal Lines of Credit can help you manage your finances like a pro.

Consolidate multiple bills into one convenient payment, lock debt into a lower interest rate, and stay on top of unexpected expenses with a Personal Loan or Personal Line of Credit.


Personal Loans

Our Personal Loans allow you to borrow a lump sum at a low fixed rate and pay it back over a set term.

  • Borrow up to $25,0001
  • Terms available from 12 to 60 months1


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Personal Lines of Credit

Our Personal Lines of Credit are revolving loans that you can access when you need them. This is a great option to have as an emergency fund for unexpected expenses.

  • Credit limit of up to $25,0002
  • Interest accrues only on what is used
  • Monthly payments are based on the balance of your loan

Tapping your line of credit is as easy as writing checks for purchases or transferring funds from your line of credit to another account.

Ways to transfer funds:

  • Online Banking or Mobile Banking
  • Stop by your local branch
  • Contact us at 800-782-8782 during full service hours3


1 Member must complete and submit a full loan application. New accounts subject to application, credit qualification, and income verification. The minimum loan amount is $500. Annual Percentage Rate (APR)  and maximum loan amount will be based on approved credit. Minimum gross monthly income of $1,000 required. Other restrictions may apply. Loan payment example: $21.23 per month per $1,000 borrowed at 9.90% APR for 60 months.

2 Account limits between $500 and $25,000. Your Annual Percentage Rate (APR) and account limit will depend upon your credit history and will be determined when a credit decision is made. Other restrictions may apply.

3 As of 5/30/19, our full service Call Center hours are Monday through Friday, 5 a.m. to 9 p.m. and Saturday, 8 a.m. to 4 p.m. Pacific Time. 


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