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Personal Loans

Personal loans that give you options

When you need a little more cash than you have, apply for a personal loan.

Payment protection is also available, just in case.

 

Apply for a Loan

  • Personal Loan

     

    Find flexible installment loans that fit most situations.

    Personal loan rates
    CONSUMER LOANS Maximum Repayment Fixed Rate Annual Percentage Rates Estimated Payment per $1,000 Borrowed
    Smart Personal Loan: Maximum: $20,000 60 Mo. Lowest - Highest
    10.50% - 17.75%
    Lowest - Highest
    $21.49 - $25.26

    Rates and terms will vary based on the credit worthiness of individual applicants.
    Rates effective as of 10/23/2020.
    All rates, terms and conditions subject to change.
  • Ready Cash Line of Credit

     

    Secure overdraft protection when using your Visa Check Card or writing a personal check. Available for cash advances, too.

    • No account transfer fees.
    • Low monthly payment.
    • Ability to advance your line of credit through an ATM, DataNet online banking, DataVoice, the Contact Center, or by visiting any branch location.
    Ready cash line of credit rates
    CONSUMER LOANS Maximum Repayment Non-Variable Annual Percentage Rates Estimated Payment per $1,000 Borrowed
    Ready Cash Line of Credit/ Overdraft Protection N/A Lowest - Highest
    13.50% - 18.00%1
    $302

    ¹Rates and terms will vary based on the credit worthiness of individual applicants.
    ²Your monthly payment will be 3% of the credit limit with a minimum of $25. There is no grace period and interest will begin to accrue on the date of the transaction or advance.
    Rates effective as of 10/23/2020.
    All rates, terms and conditions subject to change.
  • Share Secured Loan

    Borrow funds using your savings account or share certificate as collateral—all while paying yourself back with the lowest possible charges. You’ll still earn dividends over the life of the loan, too.

    Share/Savings secured loan rates
    TYPE OF LOAN Maximum Loan Amount Maximum Repayment Fixed Rate Annual Percentage Rates Estimated Payment per $1,000 Borrowed
    Share Certificate Up to 95% of share certificate Not to exceed maturity date of certificate 5% $29.97¹
    Savings Secured Up to 95% of the available shares 144 Mo. 5% $9.25²
    Rates and terms will vary based on the credit worthiness of individual applicants.
    ¹Payment per $1000 is based on a 36 month term with an APR of 5.00%.
    ²Payment per $1000 based on a 144 month term with an APR of 5.00%.
    Rates effective as of 10/23/2020.
    All rates, terms and conditions subject to change.
  • Homeowner Plus Personal Loan*

    A personal loan for homeowners with rate discounts based on the length of your banking relationship with Valley Strong.

    • Loan amounts up to $35,000   
    • Receive a rate discount of 0.25% for each year your Valley Strong account has been opened.1  (Rate discount cannot exceed 2.00%)
    • Use the funds for any purpose
    • No collateral required

    Homeowner Plus Personal loan rates
    Repayment Terms Loan Amount Fixed Rate Annual Percentage Rates2 Estimated Payment per $1,000.00
        Lowest – Highest Lowest – Highest
    Up to 60 months < $10,000 10.50% - 17.75% $21.49 - $25.26
    Up to 120 months $10,000 - $35,000 10.50% - 17.75% $13.00 - $18.00
     
    Rates effective as of 10/23/2020.
    All rates, terms and conditions subject to change.

    Account must be in good standing. Proof of income and credit approval required.
    *Loan is unsecured and is not a mortgage product. Proof of home ownership required. Limit one per household.
    1No other discounts may apply. 
    2Rates and terms will vary based on the credit worthiness of individual applicants.