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Boost your finances with a line of credit.

If you prefer to borrow money as needed instead of getting one lump sum of cash, a CCCU Personal Line of Credit is your answer.


[1] APR=Annual Percentage Rate. PLOC and Preferred PLOC Disclosures.

Rates as of: May 8, 2023
APR1 (as low as)
Preferred Line of Credit
APR1 (as low as)
Line of Credit
APR1 (as low as)

[1] APR=Annual Percentage Rate. PLOC and Preferred PLOC Disclosures.

Start your Personal Line of Credit application

Personal Line of Credit Benefits

Don't limit yourself to a set loan amount. A Personal Line of Credit (PLOC) allows you to cover what you need today, as well as what might happen tomorrow. 

People kayaking who have peace of mind with a personal line of credit from Consolidated Community Credit Union CCCU in portland oregon.

Competitive Rates

Our Personal Line of Credit rates provide the affordable payments and flexibility you need to get the job done.

Open-Ended Loan

Our PLOC lets you borrow money, repay it, and take out more without having to fill out another application.

No Collateral

With only your signature, our Personal Line of Credit can be the financial solution you are looking for.

Easy $ Access

Access your money on-the-go through online banking, our mobile banking app, or in person at a local branch.

Compare: Personal Line of Credit vs Personal Loan

While both a Personal Line of Credit and a Personal Loan allow you to borrow money without collateral, the way you receive that money differs.

Personal Loans provide one lump sum of money that you can repay monthly at a fixed rate and a set payment amount your budget can rely on. Personal Lines of Credit offer the flexibility to access your money over time with a less standardized repayment plan. 

Figuring out which product is the right fit can be tricky! Let us help guide you to the best loan option. 

Man building a stone pathway financed with his personal line of credit from CCCU.
Happy smiling woman who has a personal line of credit from CCCU.

Our line of credit is flexible.

Sometimes you have a planned project in mind and other times you get the surprise of a lifetime. No matter why you need to borrow money, a Personal Line of Credit can provide peace of mind that the money will be there when you need it.

  • Cover emergency repairs
  • Complete home renovations
  • Create a safety net
  • Pay medical bills
  • Fix your car

Is loan protection right for you?

When life throws you a curveball, be one step ahead with Personal Loan Protection. Enjoy added security from potential delinquency, default, or foreclosure if a protected life event unexpectedly happens to you.

Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment
Ask about our loan protection options when you apply for your CCCU Personal Line of Credit.
Using a personal line of credit to fund a solar panels project on top of a house.
CCCU Credit Card eBook cover

Uncover hidden credit card perks with your free guide.

Our free guide, The Best Credit Cards Always Offer These Hidden Benefits, reveals the out of sight benefits you should be researching and comparing as you search for the best credit card for your needs.

Ready to get started? Download your guide now:

What our members are saying:

“JUST the best. I switched over to CCCU from another CU I shall not name here. The difference between the old one and CCCU is night and day. Everyone at CCCU is genuine, skilled, friendly, and really easy to talk to. I love my credit union!”

Corey C.

“I've belonged to other larger credit unions before this one and - although the atmosphere in them was certainly better than a typical bank - I found the loan services in the other credit unions to be exactly like a normal bank, relying in the end on standard algorithms. This group was the only credit union (or bank) that I encountered where a single person worked with me from start to finish (no separation between sales and loan officer), and the only credit union that really took a careful individual look at assets, history, etc.   So...I highly recommend them for both everyday banking and loans.”

John C.

“I've never applied for a loan before, but today Katherine N. walked me through the process and made it pain-free and simple. She's amazing at her job: super helpful and kind, and you can tell from her voice she truly, actually cares. That matters to me, and it should probably matter to you, too. Even the atmosphere inside the CCCU building is welcoming and easy. I cannot recommend this place enough.”

Kell D.

Frequently Asked Questions

What is a personal loan?

A personal loan, often called a signature loan, or a good faith loan, is a type of unsecured personal loan offered by a financial institution. The primary requirement of these loans is the borrower’s signature and their promise to pay. Most institutions may also check a borrower’s credit score, and some require a loan cosigner. Like other loans, you'll make fixed monthly payments during your loan term until it's paid.

Personal loans are an unsecured term loan. This means that the loan isn’t secured by collateral, like a borrower’s car loan or home mortgage. The term requires that the loan is paid off during a predetermined timeframe, which is typically through monthly payments during the duration of the loan term.

What can I use a personal loan for?

From covering unexpected expenses to paying for home improvements and more, a personal loan can be used for many miscellaneous needs that don’t have their own specific loan categories. They can provide flexibility and quick access to funds.

Can I use a personal loan for higher education?

No, a personal loan doesn’t cover education expenses. However, we have other loan options to help you pay for college or pay down current student loans. Contact us to learn more.

Do I need a co-applicant?

No, it isn’t necessary to have a co-applicant. But, depending on your situation, a co-applicant may help you meet the credit requirements necessary for loan approval. 

Can I get a personal loan if I have limited credit history?

Yes, but a co-applicant may be required depending on the requested loan terms.

How long does it take to receive my funds?

Once your loan is approved, you’ll have same-day access to funds in many cases.

Membership eligibility required. All loans subject to credit approval. Rates based on creditworthiness and are subject to change without notice.

Information and interactive calculators are made available as self-help tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to individual circumstances. All examples are hypothetical and are for illustrative purposes. Seek personalized advice from qualified professionals regarding all personal finance issues. Actual rate, payment and costs could be higher. Get an official loan estimate before choosing a loan. Contact credit union for more details.