Worried about your credit history?

Been turned down before? Skip the big banks that only look at your credit score and then sell off your loan to some other corporation. We know our members, and our members know us. That allows us to make loans that might not otherwise be possible. It’s a beautiful arrangement. Financing is available for members with ITINs. Talk to a loan officer for details. Click here to learn about our Free Financial Coaching.

Share – and Certificate – Secured Loans

These loans are the perfect way to build or rebuild your credit. Money can be pledged from any GCU share savings account or a GCU certificate to secure the loan. You get an extremely low rate on your loan, you don’t have to spend your savings, and when you make regular on-time payments, you build good credit history. Download Application Here

Pledged funds are put on hold and become available for withdrawal as the loan principal decreases.
Fixed or variable rate options available.
Share-Secured VISA credit cards also available. Click here for more information.

Check Guard Line of Credit

This line of credit gives you peace of mind, knowing that you have access to credit any time you need it. It can be set up to cover checking overdrafts and can be used a safety net in case of emergency …. Download Application Here

Maximum credit limit up to $15,000 (combined Check Guard, Signature and GCU Credit Card limit)
Access anytime, anywhere through Home Banking, audio response, by phone or in person.
Can be used to refinance or consolidate existing loans.

Signature Loan

For large expenses such as medical emergencies, or even to help you take a vacation, a Signature Loan can be a great option. Unlike a line of credit or credit card, a Signature Loan gives you better control over your finances with set payments and a set payoff date …. Download Application Here

Maximum credit limit up to $15,000 (combined Check Guard, Signature and GCU Credit Card limit)
No prepayment penalty (as with all GCU loans)
Can be used to refinance or consolidate existing loans.

Borrow and Save

Need cash now? Borrow & Save is a small, simple personal loan that puts
money back in your pocket.
No appointment necessary; get the details and apply at the teller line at any GCU branch.

 Multiple options available
When your loan is paid off, you will have money in savings to use or keep
Immediate approval with no credit check.