Personal

Personal Loans

LCCU is here to help you when you need it the most. We provide personal loans for various purposes:
  • Pay medical or legal bills
  • Pay off credit cards
  • Open a small business
  • Purchase tools for your job
  • Emergency expenses
  • Purchase furniture or a computer
  • Other needs
The maximum amount of your loan will depend on your credit history.

Members without a credit history must present proof of residence at the same address for 12 months or have worked with the same employer for 12 months. The maximum loan amount is $500.00.

Members with a credit history may request up to $3,000 with a maximum term of 24 months.

To apply for a loan, you will need to:
  • Be a member of LCCU
  • Have your valid social security card or your Individual Tax Identification Number (ITIN)
  • Your last three detailed pay stubs from your employer (or your last two tax returns if you are self-employed)
  • Your rental contract (or phone number of the rental office) or mortgage documents
  • Name, address and phone number of two relatives not living with you
  • Last 2 receipts of two bills that are in your name (ex: electricity, cellular phone, etc.)

Useful Information

Know your credit history.

Credit history is a list of the loans and credit cards you have and had in the past. It shows if you have paid your loans and credit card bills on time. It also includes information about every time you’ve applied for a loan.

If you don’t have credit history check with a member service representative at LCCU. We can help you develop a credit history with our credit builder loans and secured credit cards.

Advantages of a loan with LCCU:

  • Excellent interest rates
  • Personal service
  • Ongoing financial counseling available
  • You choose the monthly payment date












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