Cash When You Need It. Loans Up to $35,0001 Made to Fit Your Life.
Applying is fast and simple. Whether online, or in branch, we’ll get you approved quickly so you can access your funds without delay2. No application fees.
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Need to enroll in online banking?
Answer a few quick questions to get the enrollment process started!
How to Apply
- Login to your Online Banking
- Under the ‘Loans’ tab, select ‘Personal Loan & Credit Card’ or 'Personal Loan'
- Follow the steps fill out the form and select "Personal Loan" when prompted
Frequently Asked Questions
A personal loan is an unsecured loan that gives you access to funds for virtually any expense—weddings, home improvements, debt consolidation, emergencies, and more. It doesn’t require collateral like a home or car.
All loans are subject to credit approval, OAS FCU lending policies, and eligibility verification.
You can apply online through our secure portal via Online Banking or our Mobile app. Prefer face-to-face? Visit one of our branches for personalized assistance.
A full credit inquiry is part of the final approval process to understand your creditworthiness. While this may cause a small, temporary dip in your score, it’s usually minor and short-lived. What truly impacts your credit is missing payments or applying for multiple loans in a short period. Staying on top of your payments and applying thoughtfully helps keep your credit healthy. International Loans are approved based on employment verification and membership history rather than a U.S. credit score.
No—you don’t need to be living in the U.S. or be a citizen to apply. Our loan programs are available to eligible members living in the U.S. or abroad. Just remember—vehicles, sustainability-related and energy-saving projects, and homes financed must be located in the U.S. All loans are subject to OAS FCU membership eligibility and applicable regulatory requirements.
New to OAS FCU?
No problem! Become a member and apply for your loan as soon as you’re approved.
Disclosures
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All loans are subject to credit approval and OAS FCU lending policies. Membership eligibility is required. You must be or become an OAS FCU member to apply. Loans may be repaid in full or in part at any time without penalty.
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OAS FCU does not guarantee time frames on loan evaluation, decisions, and disbursements. Factors such as the volume of loan applications received, time of application, verification, and approval may affect your application’s time frame.