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Personal Loans

We make getting the right loan personal

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  • 📝 Fill out a quick and easy application online
  • 💸 Enjoy flexible terms, lower fees, and competitive rates
  • 🤝 Work with a dedicated lending team with local experience
See rates

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Money when you need it

Our personal loans are designed to get you access to the money you need when you need it. Let us help you decide which option works best for you.

Apply for a personal loan

Signature Loan

Perfect for vacations, home repairs, debt consolidation, and more. Our Signature Loan offers up to $40,000 for a term of up to 72 months.

Line of Credit

An open-ended line of credit, giving you access to up to $40,000 as needed for unexpected expenses and emergencies.

Share Secured Loan

Build up your credit with a secured loan based on your secured savings or certificate of deposit (CD).

Express Loan

For when life happens, Express Cash is available 24/7. Six clicks, 60 seconds, and a $25 application fee—it’s that simple to get the cash you need. Must be a member for 6 months to qualify. Learn more!

Personal Loan Rates*

As low as

Convenience and Access by the Numbers

04.8Star Rating on Google

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04.6Mobile App Rating

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Building better community, one member at a time

We know that when our members are living well and enjoying healthier finances, our communities are better off. That’s why we offer smart solutions and great banking benefits.

Become a member

Get paid early with Express Pay

Enjoy 24/7 account access and support

Upgrade your financial wellness with Choice Map

Stay local with 20+ member centers in Michigan and 30K+ fee-free ATMs nationwide

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Hear from happy members

  • “I have been with Community Choice for 35 years I would recommend anyone and everyone to be able to experience my appreciation and good quality service from these great people. Again, thank you for your service.” Patricia S.
  • “Great CU! Courteous, professional, informative and a great place for checking, savings, and an auto loan if needed. Wouldn’t go anywhere else since starting my relationship with Community Choice! As always, thank you for great service!” Michelle K.
  • “I should have joined Community Choice Credit Union a long time ago!! Everyone there is so friendly and professional. Keep up the good work.” Sylvia T.
  • “We have been with the credit union for a long time, we have consistently received wonderful customer service and help when needed. We tell everyone about our wonderful credit union and recommend it often. Your staff is very pleasant and easy to work with. I appreciate knowing I can come in and get the help I need. Thank you for being there for us.” Thomas R.

Life happens. And we make loans happen.

  • Apply for your loan online
  • Work one-on-one with our local lending team
  • Save with lower fees and competitive rates

Whether you need fast cash for an unexpected expense or you’re planning a vacation, we’ll get you the money you need, quickly and easily.

Apply for a personal loan

Rates subject to change without notice and are for informational purposes only. For details or latest rate information, contact a credit union representative.
*All rates are disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A loan officer will let you know the rate you qualify for after reviewing your application documents.
Example:
¹ 18 monthly payments of $60.64 per $1,000 borrowed. ² Monthly payments of $30.00 per $1,000 borrowed.
³Rate is share certificate or savings share annual dividend rate plus 1.50%. Term of share certificate secured loans cannot exceed the term of the certificate. Maximum term of a savings share secured loan is 60 months. Floor rate 2.50%.

Effective February 2, 2026.