Personal Loans - Granite State Credit Union

A GSCU personal loan works for your unique needs!

Seize the moment
Act on opportunity
Cover expenses
Prep for the future
Pre-approvals valid for 45 days

"GSCU helped me out and gave me a chance at a new financial start when I got my Debt Consolidation Loan last year."

Member Testimonial

Loan Types & Optional Services

Debt Consolidation Loans Personal or Lifestyle Loans Savings & Certificate Secured Loans Loan Protection Options Optional Services

Stop paying higher interest and multiple payments! Consolidate credit card debt into one payment that fits your monthly budget.

Make paying bills simpler
Reduce your interest costs
Have a set payoff date with a closed-end loan
See what you can save on your monthly costs!

Apply today

View Debt Comparison Example

A personal loan can help you through any stage of life, changing times, unexpected expenses, or new opportunities. These loans provide the flexibility you need to help you with whatever life brings!

Cover medical expenses
Make urgent home or car repairs
Go on a vacation
Pay for a wedding
And more!

Apply today

First steps and second chances!

These loans allow you to begin building credit or repair your credit by borrowing against the funds in your Savings Account or Term-Share Certificate at a great, low rate.

Apply today

Credit Life & Disability Protection

Apply during the loan application process or after your loan closing!

If you apply during the loan application process, your premium will be included in your monthly payment
If you apply after closing your loan, you'll have to provide evidence of good health in order to receive coverage if it has been 30 days since closing

Credit Life Insurance

Designed to reduce or pay the insured balance of your loan if you pass away during the term of your loan.

Credit Disability Insurance

Designed to pay your loan payments (up to the contract limit) if you become ill or disabled and are unable to work. You must be unable to work 14 consecutive days with a doctor's note to be eligible.

Benefits:

Family's financial security
Your credit rating

*Note: This advertises the following Group Credit Insurance Policy Forms: Minnesota Mutual XXX-4000 series, and Minnesota Life MHC-XX-4000 series and XX-60000 series as well as any applicable state variations.

Eligibility

You can usually obtain Payment Protection up to the age of 65 and even up to the age of 70 in some states. Also, a medical exam is usually not required, although, general health questions may be asked. Your insurance becomes effective as soon as your loan is finalized.

Remote Loan Closings

Close on your loan from the comfort of your home or office! With DocuSign®, you can use your computer or mobile device to sign electronically, safely and securely, at your convenience.

DocuSign® FAQs

Certain restrictions apply.

Skip A Pay

Let us make your life a little less stressful. Take Any Time Off from your consumer loan payments!

Use the funds to:

Pay off bills
Enjoy a vacation
Build up your savings
Or whatever else!

Skip Your Loan Payment*

*Granite State Credit Union (GSCU) will withdraw a non-refundable $35 processing fee per month, per loan, from your account. (Total fee is required in advance.) Any GSCU closed-end loan originated 9 months prior to the payment skip date may be eligible. Loan origination term must not exceed 78 months. Overdraft Lines of Credit, Home Equity Lines of Credit, Home Equity Loans and Mortgage Loans are excluded from this offer. A maximum of 3 loan payments per loan may be skipped during a 12-calendar month period with no more than 3 consecutive skips at any time. Limited to a lifetime cap of 12 total skipped payments. Members must have a $10 minimum balance in a GSCU savings account and must not be delinquent on any loan. Authorization form must be received 10 days prior to payment due date. On joint accounts, both signatures are required to process this form. Loan(s) will be extended one month beyond original maturity for each month skipped. You will be required to make the payment(s) skipped prior to the final loan payoff and that interest will continue to accrue at the contract rate including the month(s) chosen to skip. This payment deferral and the processing fee will result in an extension of the maturity date and will increase the APR and Finance Charges disclosed on the original promissory note. If GAP insurance is elected, coverage includes up to nine of the following during the life of the lease or loan agreement: past due amounts, skip-a-payment, or delinquent payments. All other terms of the skip-a-payment agreement apply. If your GSCU loan payment is automatically deducted by ACH, the deduction will automatically cease during the skipped period and automatically resume at the end of the skipped period. All requests are subject to GSCU’s final approval.

Personal Loan Payment

Personal Loan Amount

Loan Term (Months)

months — % APR*

Loan Amount:
Estimated Monthly Payment:

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*APR= Annual Percentage Rate. Rates may vary depending on applicant’s creditworthiness and term of loan.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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Additional Details:

Your property’s automated value is provided at no cost, no obligation by completing the online request form. Automated values are not available for certain property types and/or locations. This valuation does not guarantee credit approval. A certified appraisal may still be required in accordance with state and federal regulations. Property must be located in the state of New Hampshire. Properties located in Maine, Vermont, and Massachusetts may be eligible. Other restrictions may apply. Please contact a Mortgage Representative for more details.

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Table data for Credit Card Debt Vs. Debt Consolidation Loan*
Rates effective 09-20-2024
	Credit Card Minimum Payment	Credit Card Fixed Payment	Debt Consolidation Loan
Balance/Loan Amount	$25,000	$25,000	$25,000

APR	27.00%	27.00%	10.68%**

Payment Amount	3% of overall balance	$750.00	$585.10

Payoff Period	582 months	63 months	54 months

Total Interest Paid	$73,934	$21,725	$6,595

Comparisons are not a quote or offer. Information is made available for educational purposes only and is not intended to provide actual loan details. We cannot and do not guarantee the applicability or accuracy regarding individual circumstances. Your situation may vary depending on several factors, including additional purchases or payments made throughout each cycle. Your interest, as calculated by your credit card issuer, may differ based on your specific card activity and issuer policies. *Annual Percentage Rate (APR) based on $25,000 loan, including $95 origination fee with a 54-month term, at a simple rate of 10.50% and monthly payments of $585.10. Estimated monthly payment does not reflect the additional cost of insurance. Rate and terms determined by credit history. Rate accurate as of 4/1/2024 and subject to change. Other rates and terms available. For more information on our Debt Consolidation loans, please contact GSCU.

Table data for Personal Loans (Including Holiday Wish Loans, Lifestyle Loans, and Debt Consolidation Loans)
Rates effective 09-20-2024
Rates As Low As	Annual Percentage Rate (APR)*	Term	Estimated Monthly Payment/$1000
9.99%	11.10%	Up to 42 months	$28.31

10.50%	11.39%	Up to 54 months	$23.31

11.50%	12.25%	Up to 66 months	$20.51

11.75%	12.40%	Up to 78 months	$18.39

12.00%	12.58%	Up to 90 months	$16.90

Rates and amount financed are determined by your credit history. Rates are subject to change at anytime; however, the rate will remain in effect for the life of the loan once disbursed. Estimated monthly payment does not reflect the additional cost of insurances. Additional rates and terms available. Please contact Member Services for additional information. *Annual Percentage Rate (APR) is based on a loan amount of $5,000 plus a $95 origination fee.

Personal

Rake in the savings

Loan Types & Optional Services

First steps and second chances!

Credit Life & Disability Protection

Apply during the loan application process or after your loan closing!

Credit Life Insurance

Credit Disability Insurance

Benefits:

Eligibility

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GSCU Routing Number: 211489494

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