Spectrum Credit Union (Spectrum) Personal Loans can be used for almost any purpose, such as home repairs and renovations or consolidating existing debt.

Applying is quick and easy, and no collateral is required.

  • Flexible terms — 12 to 60 months
  • Loan approved within 24 hours
  • Loans up to $25,000

We also offer Personal Lines of Credit (LOCs), revolving loans with a set limit that you access by writing checks on your LOC account. Monthly payments are based on the balance of your loan. 

Use an LOC to finance major purchases immediately, or open one to use as an “emergency fund” in case you ever need to access cash quickly. 

As a revolving loan, you can access your Line of Credit now to pay for home remodeling projects; use the same Line of Credit later for unexpected medical expenses; and access it again to pay for college tuition. A minimum monthly payment is required on any balances you acquire, and you can choose to pay off all or some of a balance before you access your LOC again.

Spectrum Lines of Credit are available with set limits of $500 – $25,000. Approved limits and interest rates will be based on member income and credit scores.


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