Personal Plus Loan
UNDERSTAND THE HOMEOWNER BENEFITS OF
Personal Plus loan
Harness the value of homeownership with a Personal Plus Loan that offers the significant financing you desire,
with the freedom to use it any way you choose.
HOMEOWNER ADVANTAGE
Access a higher borrowing limit, up to $20,000.
VERSATILE FUND USE
Renovate, consolidate debt, or fund life events, use the loan your way.
NO COLLATERAL REQUIRED
Get a significant loan without securing it against your home or assets.
MEMBERSHIP RATE DISCOUNTS
Members can qualify for up to 0.5% additional rates discounts on loans
Personal Loans as low as
9.00% APR* up to 24 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 Plus loan rates | |||
|---|---|---|---|
| Repayment Terms | Loan Amount | Fixed Rate Annual Percentage Rates | Estimated Payment per $1,000.00 |
| Lowest – Highest | Lowest – Highest | ||
| Up to 24 months | Based on Credit | 9.00% - 24.00% | $45.68 - $52.87 |
| Up to 36 months | Based on Credit | 10.00% - 24.00% | $32.27 - $39.23 |
| Up to 48 months | Based on Credit | 11.00% - 24.00% | $25.85 - $32.60 |
| Up to 60 months | $10,000 - $20,000 | 12.00% - 24.00% | $22.24 - $28.77 |
*Rates Effective As 1/2/2026.
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.
Stellar service!! Prompt loan approval! A better and more comfortable rate than I expected because i was approved without it affecting my initial credit score.
Bonifacio C.
Valley Strong Member since 2015
Personal Plus Loan
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
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Experience effortless account access and financial management anytime, anywhere.
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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
EXISING 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
Everyday Savings 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
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Access courses to help make the most of your finances on the Valley Strong Financial Literacy Center.
Financial Articles & Success Stories
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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
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