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Lifestyle Signature Loans

Take care of your needs with a personal loan

Finance Your Goals

 CRCU's Lifestyle Signature loan is a flexible, personal loan with a competitive interest rate.  You may use the money for almost anything you wish. It is quick and easy to apply, with no collateral required.

  • Competitive & fixed rates
  • Flexible payment options
  • No application fees
  • No prepaid penalties
  • No collateral needed 
  • Fixed monthly payments
  • Easy online application (with no application fees)
  • Approval within minutes 
  • Credit Life/Disability Insurance is available for your loan 

Stop by any branch location and ask about personal loans for:

  • Weddings
  • Home Improvements
  • Medical Expenses
  • Adoption Services
  • Vacations
  • Holidays
  • and much more!

    Apply Today
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What to know

  • Allows qualifying members to borrow money based on their credit worthiness with no collateral requirements
  • Applications are typically processed within one business day
  • Signature loans can be made up to a maximum of 72 months with a minimum loan amount of $25,000d
  • Complete an application and electronically sign the document using a secure and intuitive online process. Please be aware that this process may verify your identity by asking a series of random "out-of-wallet" questions, which may be created from public record and credit databases.
Loan Type   up to 36 Mos.a
APR* as low as
37 - 54 Monthsb
APR* as low as
55 - 60 Monthsc
APR* as low as
61 - 72 Monthsd
APR* as low as
Lifestyle Signature Loan
12.74%b 13.24%c 13.49%d 
*APR = Annual Percentage Rate. Certain terms, conditions and or discounts apply. Monthly payments would be $198.89 on $7,500 borrowed for 54 months at 12.74% APR,including applicable discounts. Your monthly payment includes principal and interest and may be higher or lower depending on your loan amount, APR and term. Payment also includes monthly premium for Payment Protection which includes Credit Life and Disability Insurance. Credit Life and Disability Insurance is not required. Other rates and terms available. Minimum loan amount is $500 with maximum 12 month term. May not be combined with other offers. All loans and rates are subject to approval and some restrictions may apply. The rates listed above include all applicable discounts. View rates page to view all disclosure & rates. CRCU Membership required. Contact us for details. Offer subject to change or cancellation without notice. aMimimum finance amount is $4,000 bMimimum finance amount is $7,500. cMinimum finance amount is $10,000. dMimimum finance amount is $25,000. LATE CHARGES: If any payment is made 15 days or more after it is due, you may be charged a late charge of $25. 

Before you apply, be sure to gather the following:

  • Employment information
  • Proof of income (pay check stub or W2)
  • If the loan is for debt consolidation, provide the financial institution name, payment address, account number, and balance of creditor accounts to be paid
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Need Assistance?

For personal help with your loan application, drop by your neighborhood CRCU branch or give us a call at (800) 238-3228.

Contact Us

Apply Today

Frequently Asked Questions

Can anyone apply for a loan? 

Yes, but you will need to become a member before closing on the loan.

How much can I borrow?

After you apply, your application will be reviewed and the highest amount you qualify for will be approved.

How do I know if I need a co-signer? 

After you apply, a loan officer will run a credit report, review the request, and determine if a co-signer is required.

How long do I have to be at my job before applying?

There is no minimum time of job history required.

Can I get a loan if I only get child support? 

Child support income can be used as source of income.  Proof may be required.

What if I don’t get check stubs? 

Employment verification may be required.

How is interest calculated? 

Interest is calculated daily on the unpaid principle balance of the loan. Divide the interest rate by 365 days (number of days in a year), multiply by the principal balance (this gives you the per diem), then multiply that by the number of days from payment to payment.

Do I need to be employed to get a loan? 

No.  If you are retired and have some source of continuous income, you may still qualify.

Do I need to have credit to apply?

Typically, with this type of loan, you do need previous credit history. There are other types of loans available for which no credit check is performed.