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Personal Loans & Lines of Credit

Whatever your needs—debt consolidation, school tuition, unexpected expenses, or anything in between, we can help with a Readi-cash Line of Credit, Signature Loan, or Personal Assistance Loan. There’s no collateral required, and applying takes just minutes using our online application.

  • Readi-Cash Line of Credit triangle
    Readi-cash Line of Credit
    • Revolving credit limit of up to $50,000.
    • Monthly payment equal to 2% of outstanding balance.
    • Access through HVCU ATMS and Internet Banking.
    • Free convenience checks.
    • Can be used as overdraft protection
  • Signature Loan Features triangle
    Signature Loan 
    • Rates as low as 9.99% APR.1,2
    • Terms up to 60 months.3
    • Loan amounts up to $50,000.
    • Make no payments for 90 days*
    • Monthly principal and interest payments.
    • Calculate Payments (see rates below)
  • Signature Loan Features triangle
    Personal Assistance Loan
    • Fixed 6-month term4
    • Borrow between $200 and $1,000
    • $20 application fee5
    • 90 day membership requirement
    • No credit check required
    • Instant loan decision
    • Can be used to build or repair credit
  • Rate Discount with AutoPay triangle
    Rate Discount with AutoPay
    Arrange to have your loan payment automatically deducted from your checking, savings, or tiered money market account and HVCU will lower the interest rate on your loan by .25%2! In addition to saving money, you’ll never have to worry about being late with a payment, and it will help keep your credit history strong.

Get Started

Apply for a Readi-cash Line of Credit or Signature Loan Online

What to Expect When Applying For Readi-Cash & Signature Loans


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Personal Loan Rates

Readi-cash LOC Variable Rate
Signature Loan
Fixed Rate
(Up to 12 Months)
Personal Assistance Loan
(6 months)

View all APRs and disclosures

Useful Resources

The BALANCE Financial Fitness Program provides access to free financial counseling and education, including student loan coaching, home ownership education, and rental coaching.


*This offer is not guaranteed if you do not meet our credit criteria and if your account is not in good standing. HVCU personal loan refinances not eligible for the offer. No exceptions will be made or considered. Finance charges will continue to accrue and will be included in the first regularly scheduled payment, which will begin 90 days following loan closing. HVCU expressly reserves the right to terminate this offer at its discretion at any time and without further notice provided to you.
1APR=Annual Percentage Rate. Rates for this product are as low as stated. Rate is based on an evaluation of applicant credit and selected term.
2 The stated rate is discounted by .25% and includes a requirement that loan payments are automatically transferred from your savings, checking, or tiered money market account for the life of the loan. The monthly payment is not decreased as a result of this discounted rate. Excludes Personal Assistance Loans.
3As an example, a 5-year, 11.99% fixed rate signature loan for $15,000 would result in 60 monthly payments of $333.53.

4As an example, a 6 month, 25% fixed rate Personal Assistance Loan for $1,000 would result in 6 monthly payments of $179.03 Your actual payment may be higher. All HVCU loan programs, rates, terms and conditions are subject to change at any time without notice.
5An application fee of $20 is charged for every Personal Assistance Loan application, whether or not the loan is approved.