Personal
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."
wrap up debt
Credit card interest is at an all-time high. Consolidate higher-interest debt and start saving with a Debt Consolidation Loan from GSCU! Your holiday budget will thank you!
Credit Card Debt Vs. Debt Consolidation Loan Comparison Apply now
Loan Types & 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!
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!
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.
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.
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!
*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.