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Your life isn’t one-size-fits-all and neither are our loans.

Explore a variety of options to find the best fit for your borrowing needs.

SIGNATURE LOANS

You’ll only need your signature. Qualified borrowers can use this loan to cover upcoming expenses. 

  • Competitive rates
  • No collateral necessary
  • $500 loan minimum
  • Terms up to 60 months

apply today

share secured loans

Borrow using your savings or share certificate as collateral and enjoy a reduced rate over other types of loans.

  • Great way to establish credit
  • Loan up to 100% of your share or certificate balance
  • Low, competitive rates

apply today

OVERDRAFT LINE OF CREDIT

Experience peace of mind with this convenient and simple overdraft protection option. If you’re a checking account holder, all you have to do is apply for our Overdraft Line of Credit so that your expenses are covered in the event of an overdraft. You can also use this as quick and easy line of credit when you need access to cash. 

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CREDIT REBUILDER LOAN

Your first chance shouldn’t be your only chance. If you’ve experienced a situation that negatively impacted your credit score, we can help you recover.

The Credit Rebuilder Loan was specifically designed to help members improve their credit score so that they can regain access to life’s most important loans.

How Does It Work? The proceeds of the Credit Rebuilder loan are deposited into your saving account and placed on permanent hold until the loan is paid in full. The loan history is reported to the credit bureaus and will help establish or reestablish a credit reference and credit score. And best of all, once the loan has been paid in full, we will release the hold in savings and the funds will be available to you.

Start the application process now by calling us at 800-851-5132 or emailing us at loans@lascolinasfcu.com.

stretch pay loans

Getting out of debt or making important payments on time can be difficult when you’re living paycheck to paycheck. Our Stretch Pay loans can help each payday count a little more.

We will deposit 10 percent of each Stretch Pay Loan* advance into your savings account, where it will be held as long as you have an outstanding balance. These loans offer:

  • 28% APR (Annual Percentage Rate)
  • $20 application fee per request
  • $200 minimum/$800 maximum loan amount

Stretch Pay Loans have special terms and qualifications:

  • Must have 90 days of regular direct deposit from same employer
  • Must be a member in good standing

Start the application process now by calling us at 800-851-5132 or emailing us at loans@lascolinasfcu.com.

*Stretch Pay Loan payments must be set to auto pay at the same time as your direct deposit (weekly, biweekly or monthly). May have only one Stretch Pay Loan at a time. Courtesy Pay privileges are suspended as long as you have an outstanding Stretch Pay Loan!