Provident is ready to help with special financing that will enable you to use natural resources responsibly and economically. The Solar Advantage Loan is a fixed rate loan for financing the purchase and installation of solar power for your home. Installing a solar power system is equivalent to pre-paying 40 years of power, at a fraction of what you currently pay. Once installed, a solar power system requires little or no maintenance and will provide electricity cleanly and quietly for years to come. Saving green while going green—it's a win-win scenario!

Here's how you can go solar and save:

• A fixed rate of 6.5% APR ¹
• 7 year term (84 months)
• Borrow up to $20,000
• No appraisal required ²
• Receive a substantial tax rebate from the State of California Solar Initiative
• Potential tax deductibility too: Ask your tax advisor ³
• Learn more about solar and renewable energy at gosolarcalifornia.ca.gov

Rates   Apply

1) APR - Annual Percentage Rate as of 3/12/2010. APR is subject to change and may vary depending on credit rating.

2) You must currently own and occupy a home in California. Provident Credit Union will place a lien on your home. $100 recording fee required.

3) We recommend consulting with your tax advisor to determine whether the interest you pay is tax deductible. Provident cannot guarantee the tax deductible status of this loan.

No collateral is required for this loan. This is a closed end loan with terms available up to 48 months* and the interest rate is fixed for the entire loan term.

Rates   Apply

* Maximum term for all closed end consumer loans is one year (12 months) per $1,000 financed.

This type of loan is fully secured by funds in your account and is typically used to establish or reestablish credit. You can borrow up to the amount available in your Provident Credit Union savings, with terms from 1 to 72 months.* Because the loan is secured by your savings, the interest rate is better than that of an unsecured signature loan.

Rates   Apply

* Maximum term for all closed end consumer loans is one year (12 months) per $1,000 financed. Annual Percentage Rate (APR) on loan equals the member's lowest savings rate, plus 3%.

If you need some cash, there's no need to lose the high yield you are earning on your Provident Credit Union Term Share Certificate. Use it to secure a personal loan equal to 80% of the Certificate balance and receive a very attractive rate.* There are no monthly payments required on this loan. The loan is paid off when the certificate securing it matures, or you may opt to renew the loan.

Rates   Apply

* For Certificate Secured loan, Annual Percentage Rate (APR) equals Certificate yield, plus 3% (rate rounded up to next whole number). You cannot use 24-month add-on certificate or IRA certificates to secure a loan.

Sign on to Account Manager to access your Zopa account. Provident Credit Union no longer offers new loans through Zopa.

For convenient access to credit whenever you need it, be sure to check out Provident's Visa cards and VIP Line of Credit. If you've got equity in your home, put it to good use with a home equity line of credit or equity loan. Our Prime Minus Ready Equity Line of Credit offers very favorable rates. Finally, if you have an auto loan from another lender, consider refinancing with Provident Credit Union as a way to put more money in your pocket.