Quick access to funds, when you need it most.
Manage short-term borrowing needs or unplanned expenses.
Applying is quick and convenient—with loan approval and funding in minutes. And because approval is based on your credit union relationship, the Express Loan is a clear alternative to payday loans and other higher-cost borrowing options.
Features and Terms
How the Express Loan Works
What you need to get started:
- Access to Online or Mobile Banking
- You must be at least 18, have a Social Security number, and listed as the primary individual on your BCU membership
- Credit Union membership in good standing
- Minimum of 2 months of deposit activity to your BCU checking or savings account
Other Loan Solutions
The Express Loan is higher-cost loan. Before applying, please review our other unsecured loan solutions to determine which borrowing option is best for you.
|Express Loan||Personal Loans||Personal Line of Credit||Credit Cards|
||Get quick access to funds for emergencies, unplanned expenses, or short-term borrowing needs.||Consolidate loans, pay bills, or fund large purchases.||Advance funds as needed to cover monthly expenses, make a large purchase, or consolidate loans.||Pay for everyday purchases; consolidate higher-rate credit cards with a balance transfer.|
||25.99% APR||5.99% - 20.50% APR||Variable 5.00% - 14.25% APR||Variable 8.50% - 17.90% APR|
|Max Term||12 months||60 months||Revolving||Revolving|
|Origination Fees||$15 origination fee||None||None||None|