Provident Personal Loans


You may already know that Provident Credit Union offers excellent rates and terms on car loans and home mortgages. Provident can help you on other occasions as well, with personal loans to cover debt consolidation, education, unexpected medical expenses, and more. We offer a number of ways — click on one of the headings below for details:

Rates   Apply   Lending Consultants   Schedule Appointment

Solar Advantage Loan 

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.1 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 2,3
  • 20 year term (240 months)
  • Borrow up to $35,000 3
  • Receive a federal tax credit
  • Learn more about solar and renewable energy at

Rates   Apply

$150 processing fee required.
1 Property must be owner occupied and located in California. For new members (< 6 mos), the property must be located in the following counties; San Francisco, San Mateo, Santa Clara, Alameda, Contra Costa, and Marin, or within a 5 miles radius of the Folsom branch. For existing members (> 6 mos), there are no geographic restrictions within California. 2 APR (Annual Percentage Rate) as of 6/18/2018. APR is subject to change. 3 APR and loan amount are dependent on credit rating.

Apply Now!

To apply online for a personal loan or line of credit, click on the apply button below, call us anytime at (800) 632-4600, option 3, or visit a local community branch during business hours. To receive a loan application by mail, e-mail our Lending Department.

Apply Online Now

Already started an online application?  Continue with Existing Application

* The maximum unsecured credit allowed per member, including limits on Personal Loans and Visa is $35,000. All Provident Credit Union loans subject to credit approval.