Gulf Coast Educators Federal Credit Union MEMBERSHIP LOANS ACCOUNTS RESOURCES INSURANCE Refer a Friend Open An Account Online Banking Login Personal Loans Home » Personal Loans Personal loans for all of life's moments Whether you want to make a lifestyle purchase or consolidate debt, our unsecured personal loans are a great way for you to access extra cash without having to dig into your savings. With fixed rates and terms, personal loans are a great alternative to credit cards for making big purchases or consolidating debt. Apply Now Personal loans from your credit union are perfect for: Personal loans are a great option for consolidating debt to help improve your credit score. Car repairs Small home improvement projects School expenses Medical expenses Debt consolidation Your Personal Loan Options: Loan amount: $1,000 to $50,000 Terms: Up to 84 months Prepayment Penalties: None Interest Rates: Please refer to our Rate Sheet for current rates. How It Works Loan Calculators Other Resources How It Works Getting a personal loan at GCEFCU is easy! Follow these three easy steps and you’ll be on your way to having some extra cash in no time. Step 1: Apply For Your Loan You can apply for your personal loan online by clicking the “Apply Now” button above, or by visiting any of our locations and speaking with a loan officer. You must be a member of Gulf Coast Educators FCU in good standing in order to apply for any personal loans. If you are not currently a member, click here to learn more information. Step 2: Get Your Required Documents Together With any loan, we require proof of income for the last 30 days. You can either provide us with 30 days worth of pay stubs, or have your paycheck direct deposited with us. If you are using your new personal loan to consolidate debt, we may require your latest statements from your credit cards that will be paid off. Step 3: Sign Your Lending Documents This last step is the easiest of all! You can either sign your lending documents in person at any of our branches, or we can send them to you electronically to sign from your computer, tablet, or smart phone. Once this is complete your loan will be funded! Payment Example: 48 monthly payments of $25.12 per $1,000 borrowed at 9.50% APR. APR = Annual Percentage Rate. Actual rate may vary based on creditworthiness and terms of loan. Rates for personal loans are subject to change at any time. Quick Links Become a member-owner Refer a Friend Account Agreement Account Access Membership Benefits Patriot Act Privacy Statement Financials Contact Us Locations & Hours Fee Schedule Help Accessibility Sitemap Disclaimer Espanol Routing No. 313087286 NMLS# 403220 Federally insured by the NCUA up to $250,000. © Gulf Coast Educators Federal Credit Union Credit Union Web Design by Big Splash Web Design & Marketing