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Personal Loans in Salem, Oregon

Our Personal Loans in Oregon 

You can use personal loans for several different things. You can use them to plan your next vacation or invest in yourself. Maybe you want to consolidate debt that has a higher interest or need a little extra cash to cover emergency expenses. Whatever your needs, Oregon personal loans can give you the flexibility and support you’re looking for. 

If you’re looking for an approved loan in Salem, Oregon, we can help. Get the funds you need with trusted and helpful service from your local neighborhood credit union.

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Personal Loans/ Debt Consolidation Loans

Need cash for something big, or just a little breathing room?

Our personal loans in Oregon come with low rates and flexible terms, and you can use them for whatever you want. Planning a trip? Need to cover medical bills? Want to roll multiple debts into one manageable payment? Apply for a personal loan and make it happen

  • Great for consolidating debt, travel, home repairs, or big purchases
  • Low fixed rates
  • Low processing fee
  • Flexible terms and fast approval process

Valley Credit Union offers some of the most trusted personal loans in Salem, Oregon.

Line-of-Credit Loans

Access funds anytime. No need to reapply. 

Think of a line-of-credit loan like an emergency fund or a safety net for your finances. You’ll be approved based on your creditworthiness, and once your line of credit has been approved, you can borrow money whenever you need it. It’s perfect for unpredictable expenses.

  • Borrow up to your approved limit anytime
  • Low fixed rates
  • Minimum monthly payment: 3% of the balance
  • Low processing fee
  • Can be used for overdraft protection

Looking for a flexible loan in Salem, Oregon? This might be the right fit for you.

Share Secure Loans

Build credit with loans backed by your own savings.

These Valley loans are backed by your own Valley Credit Union savings. They’re a great option to build or repair credit while still earning interest on your savings account.

  • A safe and reliable way to access cash
  • Minimum rate: 4.00% APR
  • No processing fee

These Valley First Credit Union personal loans are an excellent choice if you’re hoping to build credit with low risk.

Lifeline Loans

When life throws you a curveball, we’re here to catch it.

The Lifeline Loan is a quick, hassle-free option for unexpected expenses. This is one of our most accessible no-credit-check loans in Oregon, designed to give you fast, same-day help when you need it most. 

  • Borrow up to $1500 (based on monthly direct deposit into Valley Credit Union)
  • Current rate: 10% fixed APR*
  • No credit check or underwriting required
  • Same-day processing available
  • 12-month repayment term
  • Must be a member for 12+ months and in good standing

Disaster Relief Loans

We’ve got your back in times of crisis.

Our disaster relief loans help members impacted by wildfires or other emergencies with up to $2,000 at 0% interest. Because helping our members is what we’re all about!

  • Borrow up to $2,000 at 0% APR
  • Fast application process
  • Available to Valley CU members in affected areas

Not sure which loan is right for you?

Don’t worry, we’re here to help! 

Feel free to call or text us at (503) 364-7999 or contact us online. You can also speak with us personally at our branch in Salem, Oregon. 

Check out our loan calculator if you’d like to see what your monthly payment amount would be.

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Personal Loan FAQs

Anyone who is a member in good standing can apply. Some loans, like our lifeline loan, require at least 12 months of membership.

Many of our loans can be processed and funded the same day you apply, depending on eligibility and application timing.

Not always. Our lifeline loan doesn’t require a credit check or underwriting. Other loans may involve a credit review to determine rates and approval.

Yes! You can apply online for most personal loans. If you prefer, you can also call us at (503) 364-7999, contact us online, or visit us at our Salem branch.

A personal loan is a lump sum with a fixed repayment schedule. A line of credit gives you flexible access to funds you can borrow from as needed, based on your credit. It’s great for emergencies or ongoing expenses.

Almost anything! Common uses include debt consolidation, travel, medical bills, home repairs, or covering unexpected costs. Feel free to contact us to help you find the best fit.

Use our loan calculator to estimate your monthly payments based on the amount, term, and interest rate. Or reach out, we’re happy to walk you through it!

*APR = Annual Percentage Rate. The interest rate a member pays is based on the member's credit worthiness, credit history, loan-to-value ratio and term of the loan. Loan terms may vary depending on amount borrowed and credit history. All rates are subject to change at any time. Membership requirements apply.