Cover life's surprises with ease.
A CSCU personal loan can help with medical bills, a vacation, your emergency fund, or a major purchase, with flexible terms and cash in as little as one business day.
Why a CSCU personal loan?
Fast cash.
Get your money in as little as one business day.
Flexible terms.
Choose terms up to 60 months* for a payment that fits your budget.
Options built around you.
A range of terms and rates to fit your situation.
No hidden fees.
A clear process with no surprises.
What could you use it for?
Medical expenses
Cover bills when they come up.
Vacations
Plan the trip without draining savings.
Emergency fund
Pad your cushion for the unexpected.
Major purchases
A computer, furniture, and more.
Combine your payments into one.
Juggling several balances? A personal loan can roll them into a single monthly payment, which may simplify your budget and may lower the interest you pay.
List what you owe.
Gather your balances, rates and monthly payments.
See what it could look like.
Try the calculator below with your numbers.
Apply with CSCU.
Use your loan funds to pay off those balances.
Make one payment.
One monthly payment to CSCU instead of several.
See what consolidating could save.
Enter the total of the balances you'd combine.
Estimate only. Assumes the same balances and payoff period, no fees, and an example rate that is not an offer. Your actual rate depends on creditworthiness.
Tools to help you decide.
Local help, close to home.
Text us anytime and a team member will reply during business hours to answer questions or help you apply. We serve members in Walker, San Jacinto, Trinity, Houston, Madison, Montgomery, and Grimes Counties.
More ways to borrow.
Frequently asked questions
What can I use a personal loan for?
Many things, including medical expenses, a vacation, an emergency fund, debt consolidation, and larger purchases like a computer or furniture.
How fast can I get my money?
Funds can be available in as little as one business day. Timing varies.
What terms are available?
Terms up to 60 months are available. We offer a range of terms and rates to fit your situation.
How does debt consolidation work?
You use a personal loan to pay off several balances, then make one monthly payment to CSCU. Depending on your rate and term, this may lower your payment or the interest you pay.
How can I see my rate and payment?
Log in to CSCU Online and use Credit Sense to see custom rates and payments. You can also text or call us at (936) 295-3980.
Are there hidden fees?
No. We keep the process clear, with no surprises.
Do I need to be a CSCU member?
Membership eligibility is required. We will walk you through it when you apply.
Ready to get started?
Apply online in a few minutes.
Apply nowPrefer to talk? Call or text (936) 295-3980.
*Terms up to 60 months. Other terms and conditions may apply.
All loans are subject to credit approval and membership eligibility. The APR is set at loan disbursement and depends on creditworthiness and other factors, including the age and condition of the collateral where applicable. Not all applicants will receive the lowest rate, and other terms and conditions may apply.
Payment example: A $5,000 personal loan at 9.49% APR for 36 months would have a monthly payment of $160.75 to $190.84 and a finance charge of $786.97 to $1,869.96.
Debt consolidation calculator: Results are estimates for illustration only and are not an offer or commitment to lend. The example rate is not a quoted rate. Consolidating may reduce your monthly payment, but you could pay more interest over time if you extend your payoff period.
Links to third-party sites (Credit Sense, GreenPath, Sallie Mae) are provided for your convenience. CSCU does not control or endorse their content. Message and data rates may apply to text messages.