Personal Loans

"I'm smart with my money, but now and then I sure could use a little extra."
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When you need a financial boost, we have options to give you a leg up.

We call them personal loans because the reasons you might need one are unique to you. Medical expenses arise or unexpected repairs pop up at home or with your vehicle. Maybe you're interested in consolidating your higher-interest debt into one Clearview Federal Credit Union loan at a money-saving rate. With us, you have options in the form of personal loans or a line of credit.

  • Low rates keep monthly payments in check
  • Access money as a lump sum loan or a flexible line of credit
  • Choose a fixed or variable rate
What's included?
  • Affordable rates
  • Flexible repayment plans
  • Fast turnaround time
16.74% APR*
PowerLine Line of Credit
*Rates as low as
View rates view rates for consumer loans

Key considerations before you apply for a personal loan

How do personal loans work?

Personal loans provide money you need, but in different ways. With a loan, you receive all your money at once. With a line of credit, you have access to a certain amount of money but you don't have to use all of it at once. And you only pay interest on what you use, just like a credit card. Both types feature their own terms and rate, and we can help you figure out which option works best for your situation before you apply for a personal loan.

Which option is right for you?

Secured Loan

Our Secured Loans let you borrow a certain amount of money based on the amount of savings you have in your Clearview accounts. This is an ideal option to establish or rebuild your credit, and your savings continue to grow even while you're paying back your loan.

Signature Loan

Available in variety of terms at great rates, our Signature Loan can help when you need some extra cash for vacation, new appliances, consolidating debt, unexpected expenses, or many other needs you may have. You don't need to post any collateral for this loan, but you need to qualify based on a good credit score.

PowerLine Line of Credit

A PowerLine Line of Credit provides fast access to cash for anything, at any time. Use it to cover everyday expenses, as an emergency fund, or as checking account overdraft protection. Variable rates are based on your credit performance.


With CashPlease®, you’ll pay less in interest than you would pay with traditional payday loans. If you have a Clearview checking account, you can apply for a CashPlease® loan in digital banking. After applying, you'll get a decision within minutes and the money is deposited into your account often in 24 hours or less.

If you're still not sure which option is right for you, try our personal loan finder.

What are the advantages of a credit union personal loan?

Unlike most larger financial institutions, Clearview Federal Credit Union is not-for-profit and without shareholders. That means any profits we earn are given back to members in the form of lower interest rates on personal loans. We want to help you achieve your financial goals and improve your financial well-being along the way. 

Questions about personal loans?
Clearview offers competitive rates and flexible repayment terms. View our current personal loan rates and terms.
For current Clearview members, check the “My offers” section within digital banking to see if you’ve been pre-approved. You can apply using this feature or through digital banking by selecting Add Product. You can also apply by starting a video call with Clearview Live®, visiting your local financial center, or calling us directly at 1-800-926-0003.
For new members, you can apply by using our online application, starting a video call with Clearview Live®, visiting your local financial center, or calling us directly at 1-800-926-0003.
Once an application is completed, it’s either sent to underwriting for review, or for closing if it has been pre-approved or instant approved.
Our goal is to provide members with a loan decision within 24 hours after the application is received. Many times an answer can be given on the spot.
There is a $100 minimum amount for personal loans.
We don’t have any fees to complete a loan application. There’s a small fee for a refinance of a vehicle, motorcycle, boat, RV, or powersport.
We do not have a minimum credit score to apply for a loan. Many factors are taken into consideration for a loan decision than just a credit score. 
Visit our Payment Protections page to explore coverage options for auto, powersports, personal loans, and credit cards.
For additional questions contact our Care Center by calling 1-800-926-0003 or fill out a form below and someone will reach out.
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Looking to speak with someone about personal loans? Complete the below form and we'll be in touch!

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“Clearview takes the time to understand the customer at a human level instead of as numbers on a paper.” William, Member since 2016
Learn More- Go to membership page
Learn More- Go to membership page
The great experiences with Clearview I have had over the past couple years made me move my current and new auto loans to them. I have had great experiences both at the branch level and with Natasha in the loan department - they always put the customers best interest first. Mark, Member since 2017
Learn more- Learn about auto loans from Clearview
Learn more- Learn about auto loans from Clearview
As a member for around 50 years, Clearview continues to provide excellent customer service. The Clearview team continues to impress each time I ask for their help. Bruce, Member since 1971
Become a member- Become a member
Become a member- Become a member
* APR = Annual Percentage Rate. All rates are subject to change without notice. Rates are based on the type of loan, term of loan and your credit worthiness. All loan approvals are subject to normal underwriting guidelines. The ‘As Low As’ Rates listed above for Signature Loans include a 0.25% discount for repayments made via an auto transfer from a Clearview checking account.
Clearview gave me an opportunity to rebuild my credit. They address me by my name every time I enter and I feel as though I am part of their family. My credit score has gone from poor to excellent and I have multiple accounts with them today. Give Clearview a chance, you will love them, their solutions, and staff. Robert, Member since 2000
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Become a member- open an account