Consumer Loans
Loans to suit your financial needs
Low-interest loans for life’s expenses and big purchases
From cars to personal loans, QCU offers low-interest financing with rate discounts on select options.
Auto Loans
Financing for new and used cars and motorcycles, auto loan refinancing.
- Refi or buy – with the same low rates
- Additional 0.25% discount – when enrolling in automatic payments from a QCU checking account
- Optional debt protection to safeguard your auto loan
Personal Loans
Flexible financing for travel, medical bills, home repairs, special events, and more.
- Terms up to 72 months – for affordable monthly payments on larger loans
- Apply in minutes – with a fast approval process to keep things moving
- No collateral required – access funds without using your assets as security
Students loans made simple
Financing an education can be like trying to put a puzzle together, with loans, grants, scholarships, serving as pieces of a funding plan for students and their families pursuing higher education. QCU partnered with Sallie Mae, a leader in the industry, to provide students loan options to help make financing and education easier.
Curious what your payment might look like?
Try our consumer loan calculators to plan your next loan.
Today’s consumer loan rates
| Loan Type | Term | APR with Auto Pay As Low As* | Payment per $1,000 | |
|---|---|---|---|---|
| Pre-Owned Auto Loans | Up to 36 months | 3.99% | 29.53 | Apply Now |
| 37 - 48 months | 4.50 | 22.80 | ||
| 49 - 72 months | 4.75% | 15.99 | ||
| New Auto Loans | Up to 36 months | 3.99% | 29.53 | Apply Now |
| 37 - 48 months | 4.50% | 22.80 | ||
| 49 - 72 months | 4.75% | 15.99 | ||
| 73 - 84 months | 5.00% | 14.03 | ||
| Recreational Vehicles | Up to 120 months | 7.74% | 12.00 | Apply Now |
| Personal Loans | Up to 48 months | 12.65% | 26.65 | Apply Now |
| Up to 72 months | 13.65% | 20.42 | ||
| Overdraft Protection (Reserve Credit) | 12.90% | N/A | Apply Now | |
| VISA Signature Credit Card (Variable Rate) | Revolving line of credit | 17.75% | N/A | Apply Now |
| VISA Traditional Credit Card (Variable Rate) | Revolving line of credit | 8.74% | N/A | Apply Now |
Apply in minutes and get the cash you need quickly
Complete your application online or at any QCU branch in minutes. You can also manage and apply for loans anytime through QCU’s digital platform and mobile app.
PLUS: Get a 0.25% rate discount when you enroll in automatic payments from your QCU checking account.
*APR – Annual Percentage Rate. Rate is subject to change and based on creditworthiness. Loan rates currently in effect and are subject to change at any time. Loan applicants must be at least 18 years old to apply. $5.00 Primary Share Account required for membership. Additional restrictions and conditions may apply. QCU financing available for model year 2017-2026.