Personal Loan Rates

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Rates are valid as of December 14, 2017 and are subject to change

Fixed Rate Personal Loan

Finance up to $35,000*

Maximum Term Fixed Rate APR 1 Payment per $1,000 2
48 months 9.990% $25.36

Solar Advantage Loan3

Finance up to $35,000

Maximum Term 4 Fixed Rate APR 1 Payment per $1,000 2
240 months 6.500% $7.46

Savings Secured Loan

Finance up to $50,000 based on the balance of your Savings account

Maximum Term Fixed Rate APR 1 Payment per $1,000 2
48 Lowest savings rate + 3% varies

Certificate Secured Loan

Finance up to $50,000 based on 80% of your Certificate balance

Maximum Term Fixed Rate APR 1 Payment per $1,000 2
Certificate maturity date Certificate yield + 3% (rate rounded up to next whole number) varies

Smart Option Student Loan

Finance up to 100% of your school certified education costs

 
For rates and other information about the Provident/Sallie Mae Smart Option Student Loan, please click here.

For more information or to apply by phone, call (800) 632-4600 and press 312.

* The maximum unsecured credit allowed per membership, including Visa, VIP, and unsecured loans, is $35,000.
1. APR - Annual Percentage Rate is subject to change and may vary depending on credit rating. APR includes a 2% discount for package or automatic transfer participants. For VIP lines of credit, your APR, prior to any discount for package or automatic payment, is determined by adding a margin of 8.00% to 15.00% (depending on credit worthiness) to the Prime Rate, as published in the Wall Street Journal, and is set on a quarterly basis.
2. Payment per $1,000 balance is based on the interest rate listed with a maximum term. Example: for a 4 year (48 month), $5,000 fixed rate personal loan at the rate of 9.99%, multiply 5 x $25.36 for a payment amount of $126.80 (loan amount ÷ $1,000 x payment example = payment amount). Actual payment varies based on credit score, loan amount, and term.
3. You must currently own and occupy a home in California. No lien is placed on your home. $150 processing fee required.
4. Minimum loan amount of $20,000 for terms greater than 15 years (180 months).
5. $25 annual fee. Minimum VIP credit line amount is $500.00.

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