From bucket lists to balance sheets, our Personal Lending options allow you to do whatever, whenever.
Life’s too short to be weighed down by yesterday.
Whether you’re paying off debt, planning a dream vacation or planning ahead, our Personal Lending solutions are here to help. With flexible options and great rates, you can free yourself from financial stress and focus on what matters most—what’s next.
One size doesn’t fit all. That’s why we offer two personal lending options designed to meet your unique needs: a Personal Loan or a Personal Line of Credit.
| Personal Loan | APR¹ | |
|---|---|---|
| Funds Available | Up to $25,000 | Up to $10,000 |
| Interest Rate | As low as 7.50% APR¹ | As low as 8.50% APR³ |
| Interest Cost | Charged on full loan amount | Charged on amount borrowed |
| Payment Structure | Terms up to 72 months² | Revolving |
For the planner: Personal Loan
A Personal Loan is ideal for tackling life’s big expenses with confidence—perfect for major goals or paying off high-interest debt. With fixed payments, flexible terms and no collateral, it’s a simple and reliable way to achieve your financial goals confidently.
- Rates as low as 7.50% APR¹
- Terms up to 72 months²
- Borrow up to $25,000² with no collateral
- Use funds for nearly anything
- A personal line of credit is revolving, meaning you can borrow, repay, and borrow again up to your limit during the draw period. A personal loan, on the other hand, is a one-time disbursement with fixed payments until the loan is paid off.
- Credit cards are great for smaller, short-term needs but almost always come with higher interest rates. With the national average credit card interest rate being 22.65% APR⁴, the money you’ll save using our Personal Lending options can go a long way.
- Your interest rate depends on factors like your credit score, income, debt-to-income ratio, and the lender's terms. A higher credit score often leads to lower interest rates.
For the play-it-by-ear pro: Personal Line of Credit
A Personal Line of Credit (PLOC) offers flexible access to funds for unexpected expenses, home projects or a financial safety net. Borrow only what you need, when you need it, with no annual fees and competitive rates—smart financial control made easy.
- Variable rates as low as 8.50% APR³
- Up to $10,000 credit limit
- No service fee or annual fee
From personal loans to peace of mind, our in-house team of financial counselors is ready.
When it comes to financial guidance, the WealthWise team has you covered. Your Cross Valley membership includes free, unlimited access to our team of Certified Credit Union Financial Counselors for you, your family and anyone living in your household. WealthWise is here to help guide you at any point in your financial life, even if you’re just starting out.
Melissa Husted
Wilkes-Barre
Sarah Mullery
Wilkes-Barre
Heaven Merenich
Mocanaqua
Lee Sorber
Wilkes-Barre
Free financial advice is just a click away. Schedule your session today.
APR = Annual Percentage Rate. APRs are as low as the rates advertised above and include a 0.25% APR discount for automatic withdrawal of loan payment each month. Rates are for qualified borrowers who meet certain credit criteria. Payment example: $87.16 for $1,000 borrowed at 7.50% APR for 12 months. Rates and terms subject to change without notice. Membership requirements apply. Other rates and terms available. Contact credit union for full loan details.
Maximum loan amount is $25,000. For loan amounts over $15,000, the maximum term is 72 months, and the rate is as low as 10.50% Annual Percentage Rate (APR). Your actual rate will vary depending upon your credit worthiness. Other rates and terms are available. Offer is subject to change without notice. Payment example: for a 72-month term at 10.50%, the monthly payment will be $18.78 per $1,000 borrowed.
Personal Line of Credit variable APRs are as low as the rates advertised above and are based on Wall Street Journal Prime Rate, plus a margin. APR may change after account opening. Rates current as of 10/01/2024. Minimum $1,000.00 borrowed required with minimum $25.00 draw amount. Loan account, rate, and conditions are subject to credit approval and may change without notice. Membership required and upon qualification.
