CCU Personal Loan Options
Borrow money without providing collateral, like home equity, to secure the loan.
Community Credit Union of Florida offers personal loans that address a variety of financial and credit situations.
Funds from these loans can be used as you wish to meet any financial need you may have. See below to find the loan that best fits your needs.
|
|
QCash | Payday+ | Personal Loan |
|---|---|---|---|
What amount can I borrow? |
$200-$2,000 | $1,000-$2,500 | Up to $50,000* |
| What is the rate? | 28% APR | 18% APR | View Current Rates |
| What is the term? | 6 months on loans up to $1000 12 months on loans $1001-$2000 |
6-24 months | Up to 60 months |
| Is there an application fee? | $20 application fee | No | No |
| Do I need to have other accounts with Community Credit Union? | Yes, you must be a CCU member for at least one month. | You must be a member, and may join at the time of loan closing. | You must be a member, and may join at the time of loan closing. |
| Can I have more than one at a time? | There is a limit of 1 QCash Loan outstanding per member and maximum 3 QCash Loans within a 6 month rolling period | Yes | Yes |
| Are there any use restrictions? | No. Use the money for any financial need you may have. | No. Use the money for any financial need you may have. | No. Use the money for any financial need you may have. |
| Where do I apply? |
CCU Mobile App: Go to the “More” and select QCash eBranch Online Banking: Log in, go to “Additional Services” menu, and select QCash |
Online: Confidential Application (choose "Personal") |
Online: Confidential Application (choose "Personal") or CCU Mobile App: Go to "Apply for a Loan" and choose "Personal" or at any CCU Branch or Call the 24-hour Loan Line: 321-637-3211 |
| Why should I choose this type of loan? | If you:
need up to $1,000 for a short time (6 months) are looking for a more affordable alternative to a payday loan would like an instant decision and instant access to the approved amount |
If you:
do not have a strong credit history need to borrow between $1,000 - $2,500 are looking for a more affordable alternative to a payday loan |
If you:
have established credit need to borrow up to $50,000* |
| What do I need to qualify? | You must be a CCU member for at least one month. (no credit check) | Proof of income, 2 items with your current address, and a bank statement for checking or savings accounts that are not with CCU | A credit check will be performed |
