Personal loans from your credit union are perfect for:

Personal loans are a great option for consolidating debt to help improve your credit score.
- Car repairs
- Small home improvement projects
- School expenses
- Medical expenses
- Debt consolidation
Your Personal Loan Options:
- Loan amount: $500 to $25,000
- Terms: Up to 72 months
- Prepayment Penalties: None
- Interest Rates: Please refer to our Rate Sheet for current rates.
How It Works
How It Works
Getting a personal loan at GCEFCU is easy! Follow these three easy steps and you’ll be on your way to having some extra cash in no time.
Step 1: Apply For Your Loan
You can apply for your personal loan online by clicking the “Apply Now” button above, or by visiting any of our locations and speaking with a loan officer. You must be a member of Gulf Coast Educators FCU in good standing in order to apply for any personal loans. If you are not currently a member, click here to learn more information.
Step 2: Get Your Required Documents Together
With any loan, we require proof of income for the last 30 days. You can either provide us with 30 days worth of pay stubs, or have your paycheck direct deposited with us. If you are using your new personal loan to consolidate debt, we may require your latest statements from your credit cards that will be paid off.
Step 3: Sign Your Lending Documents
This last step is the easiest of all! You can either sign your lending documents in person at any of our branches, or we can send them to you electronically to sign from your computer, tablet, or smart phone. Once this is complete your loan will be funded!
Loan Calculators
Other Resources
Resources for Personal Loans
How to Read Your Credit Report
Getting Your Finances In Shape
Financial health is important. Unfortunately, it is something that people tend to put off. Financial decisions directly impact your future and have a profound effect on your lifestyle. This is why it is critical to plan for expenses and save for the future.
What Should You Do When You Experience A Financial Hardship?
What Goes Into A Credit Score
There Ought to be a Law: Payday Loans
Understanding Credit Scores & Reports
Debt Consolidation & Net Worth
Payment Example: 48 monthly payments of $25.12 per $1,000 borrowed at 9.50% APR. APR = Annual Percentage Rate. Actual rate may vary based on creditworthiness and terms of loan. Rates for personal loans are subject to change at any time.