Personal Loan
TAP INTO THE BENEFITS OF A
PERSONAL LOAN
A personal loan from Valley Strong offers competitive rates and flexible terms to help you reach your goals.
Competitive and flexibile rates
Secure your loan with attractive fixed rates.
No prepayment penalty
Enjoy the freedom to pay without extra costs.
Payment Protection Options
Safeguard your finances with reliable payment protection options.
Membership Rate Discounts
Members can qualify for up to 0.5% additional rates discounts on loans.
Personal Loans as low as
11.00% APR* up to 60 months
Valley Strong's personal loans offer crucial financial support for life's big moments, helping you achieve your dreams with confidence and ease.
Apply Now| Personal loan rates | |||
|---|---|---|---|
| Repayment Terms | Loan Amount | Fixed Rate Annual Percentage Rates | Estimated Payment per $1,000 Borrowed |
| Lowest - Highest | Lowest - Highest | ||
| Up to 24 months | Based on Credit | 11.00% - 26.00% | $46.61 - $53.87 |
| Up To 36 Months | Based on Credit | 12.00% - 26.00% | $33.21 - $40.29 |
| Up to 48 months | Based on Credit | 13.00% - 26.00% | $26.83 - $33.72 |
| Up to 60 months | >$10,000 | 14.00% - 26.00% | $23.27 - $29.94 |
*Rates and terms will vary based on the credit worthiness of individual applicants.
Rates Effective As 1/2/2026. All rates, terms and conditions subject to change.
I've had auto loans and personal loans through Valley Strong with no issues. Their loan department is fantastic. I've banked with them since I was a teenager and don't plan on changing.
Matt R.
Valley Strong Member since 2015
Your Personal Loan,
Just a click away
Embark on your financial journey with Valley Strong - apply for your personal loan today
and bring your aspirations to life.
Our mission is to turn people’s financial possibilities into financial realities
Human Focused Banking
Experience personalized banking that puts people first, offering tailored financial solutions designed to support your goals and well-being.
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Financial Education
Empowering individuals with the knowledge and tools needed to make informed financial decisions for a brighter, more secure future.
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Community Impact
Committed to making a difference through initiatives that strengthen and support the local community where we all thrive.
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Discover the convenience of our
MOBILE APP
Experience effortless account access and financial management anytime, anywhere.
Mobile Wallets
Easily add your credit or debit card to your favorite mobile wallets like Apple Pay®, Google Pay®, or Samsung Pay® for secure, contactless payments.
Card Management
Manage your cards with ease! Set limits and alerts, block or unblock cards and merchants, update PINs and activate or replace cards.
FREE TRANSFERS WITH ZELLE
Send and receive money quickly with Zelle®—an easy, no-fee way to transfer funds to family and friends, right from your phone.
Mobile Check Deposits
Skip the trip to the branch—snap a photo of your check and deposit it directly into your account using your smartphone, anytime, anywhere.
EXCLUSIVE PERKS FOR
EXISTING MEMBERS
Enjoy special rate discounts with Valley Strong Everyday Savings and Makes Cents Checking accounts.
Makes Cents Checking Discounts
Benefit from a 0.25%1 rate discount when you open a Makes Cents Checking Account.
Open An Account
Regular Shares Discounts
Enjoy a 0.25%2 rate discount when your account has been open and in good standing for at least one year. This discount applies to loans applied for once you fulfill the membership durations requirement.
Open An Account
1Receive a 0.25% rate discount on an Auto or Personal loan with an open Make Cents Checking Account. Offer valid for loans funded after December 31, 2023. Must have both an open Shares and Make Cents Checking account. Discount applied when Makes Cents Checking Account is opened and will be removed if the Makes Cents Checking Account is closed. 2Receive a 0.25% rate discount on an Auto or Personal loan with Valley Strong Share Savings Account opened for one year or longer. Offer valid for loans funded after December 31, 2023 and applied for after meeting the Membership requirement.
Worry-Free Borrowing with Payment Protection Options
Life is unpredictable, but your loan payments don't have to be. Valley Strong offers Payment Protection options for your personal loan, ensuring that during life's unforeseen events, you're covered. It's the safeguard that keeps your financial goals on track, no matter what. Speak with our representatives to apply payment protection with your loan.
Explore our DIVERSE
PERSONAL loan offerings
A range of loans to fit your unique circumstances
You can never have too much
Financial IQ
Expand your financial knowledge with tons of resources
Expert Lead Workshops
Workshops & Webinar
Attend our financial workshops to get guidance from experts and network with Valley Strong Members.
Financial Education Courses
Financial Literacy Center
Access courses to help make the most of your finances on the Valley Strong Financial Literacy Center.
Financial Articles & Success Stories
Blog
Read about fellow Valley Strong Members and learn how Valley Strong partnered in their success.
Your Personal Loan,
Just a click away
Embark on your financial journey with Valley Strong - apply for your personal loan
today and bring your aspirations to life.
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FINANCIAL SOLUTIONS
CREDIT CARDS
Discover flexible options to match your spending habits or build credit for a stronger financial future.
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Savings Accounts
Experience the difference with Savings Accounts, where your financial growth is our priority
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