Personal Loans

Sometimes a simple loan is all you need to get a little help or finish a project.

It's not a daydream if you make it happen

Our personal loans come with a can-do attitude

Everyone has that list. Maybe it's scrawled on a piece of paper. Maybe it's tucked away in the back of your mind. Either way, it's filled with all the things you would do with some extra money. Well, it's time to break it out and start crossing off items. With an affordable Excite Credit Union Personal Loan or Line of Credit, you can build a pool, remodel the kitchen, travel to distant places, plan the best wedding ever or do something else that makes life a little better. 

  • Ask us for $1,000. Or for $20,000. Or for any in-between dollar figure that gets the job done.
  • This is a judgment-free zone, so use the money any way you want.
  • We keep interest rates low so your monthly payments don't blow up your budget.
  • In fact, the interest rates are so low you might want to use the cash to pay off some higher-interest debts.
  • You have a lot going on. To make sure you don't miss a payment, just schedule them automatically with Online or Mobile Banking.


Has a term and fixed payment so you’ll know exactly when it’s paid off


Like borrowing sugar from your neighbor.

If you just need a few bucks to take care of something, we like to offer a helping hand. These loans are small (less than $500), quick, and pain free at 0% interest. It only requires a $20 application fee and that you’ve been a member with us for a while. 


Timing is everything.

It doesn’t matter if you get paid once every two weeks or on the first and fifteenth. Our PayCycle Loans are made to hold you over for the moments in between you come up short. No bad strings. Just budget strong.

Join our community

Getting a membership with us isn't a transaction - it's a friendship, a partnership, a neighborhood-wide collab, a life-long pursuit of better, for you, me, us, them, and everyone else we hang out with in life.