Personal Loans

For all of your personal loan needs, we are ready to help. Now you can apply, 24 hours a day, online or over the phone at 805/ 477-4000 or 800/ 339-0496.

If your loan is at least a year old and in good standing, you may be eligible for Skip-A-Pay. Interest will continue to accrue and your original payment schedule may be extended while the total interest will be slightly more over the life of the loan. Other restrictions and qualifications and a small fee may apply. Call Member Service at 805/ 477-4000 to skip a payment or check if your loan is eligible. AdvantageLine loans are eligible for one free skip per year.


With AdvantageLine, you can write yourself an instant loan any time you need cash quickly. Apply once and upon approval, a credit limit will be established for you. Then, borrow as much as you want, up to your limit. There is no initial advance required, so you can apply today and start to use it when you choose. You pay interest only on the amount you actually use and, as you make payments, your available credit is replenished, ready for future needs. Complete an online application today and take advantage of AdvantageLine.

Share Secured Loans

The best loan around! The amount you can borrow depends on how much you have on deposit with VCCU. The loan rates are the lowest we offer, with terms up to 60 months. You continue to earn Dividends on your Savings or Certificates, although there will be a hold on the amount equal to your loan balance.

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