Personal

Our low-rate financing helps you handle whatever comes your way. 

Expenses come up whether you plan for them or not. Whether furnishing a home, getting your finances back on track, or even taking a vacation, GSCU is here to help. 

Lifestyle Loans!

The personal loan as unique as you!

At GSCU, we recognize that our members are individuals, at many different stages of their lives. A Lifestyle Loan provides the flexibility you need to deal with unexpected circumstances, or opportunities!

  • Consolidate debt
  • Manage holiday expenses
  • Plan a wedding
  • Enjoy a winter getaway
  • Cover unexpected bills
  • Elective medical procedures
  • And more!

Apply today!

Did changes to the federal tax laws leave you owing unexpectedly? We can help! Surprise you owe this year

Sinking in Debt?

Can't seem to get your head above water with debt? We can work with you to consolidate your debt into one easy payment that fits your monthly budget. 

Need fast cash to fund your home reno?

With our Hassle Free Home Improvement Loan*: 

  • No equity in the home is necessary
  • No Appraisal Requirement
  • No Closing Costs
  • No Lien Placed on the Property
  • For Loan Amounts Greater than $20,000

Apply online!

*Terms and conditions apply. Subject to credit approval. Rate qualification based on credit history. Federally insured by NCUA. Equal housing lender. NMLS #477276.

Apply

Apply Online and receive an answer to your loan request in 60 seconds. Pre-approval is valid for 45 days.*

Call Lending After Hours 24/7 at 1.800.645.4728 to speak to a lending representative.  

*A $95 loan origination fee for consumer loans will be added to the amount borrowed upon closing. Please see important disclosures. 

Rates

Loan Calculator

Table data for Personal Loans (Including Lifestyle Loans, Holiday Wish Loan and Debt Consolidation Loans)
 Rates effective 08-25-2019
Rates As Low As Annual Percentage Rate (APR)* Term Estimated Monthly Payment/$1000 Alert Me
8.25% 9.55% Up to 36 months $31.46
8.74% 9.73% Up to 48 months $24.76
9.74% 10.56% Up to 60 months $21.12
10.74% 11.46% Up to 72 months $18.91
11.74% 12.37% Up to 84 months $17.53
Rates and amount financed are determined by your credit history. All rates quoted include a discount for selecting 2 of the following services: life insurance, disability insurance, estatements or automatic payments, otherwise add .25%. Rates are subject to change at any time, 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.

Table data for Home Improvement Loan
 Rates effective 08-25-2019
Rates As Low As Annual Percentage Rate (APR)* Term Estimated Monthly Payment/$1000 Alert Me
8.74% 8.95% Up to 60 months $20.64
9.74% 9.92% Up to 72 months $18.40
10.74% 10.90% Up to 84 months $16.99
Rates and amount financed are determined by your credit history. All rates quoted include a discount for selecting 2 of the following services: life insurance, disability insurance, estatements or automatic payments, otherwise add .25%. Rates are subject to change at any time, 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. Must be used for home improvements. Minimum term 60 mos. Maximum term 90 mos. Minimum loan amount $20,000. *Annual Percentage Rate (APR) is based on a loan amount of $20,000 including a $95 origination fee.

Now You Can Sign Your Loan Paperwork from Almost Anywhere!

With DocuSign, all you need is a computer or mobile device to sign electronically for on-the-go convenience. DocuSign - simple, safe, and secure!

How:

We'll email you a link to review your loan documents

Verify your identity and follow the guide to electronically sign! 

Learn more

Certain restrictions apply.

Frequently Asked Questions

  • What is DocuSign?

    DocuSign is a safe and secure way to sign documents from anywhere, anytime, utilizing any device.

  • How do I start using DocuSign?

    Let GSCU know that you're interested in doing your next consumer loan (vehicle or personal) using DocuSign. The process will start with an email from GSCU via DocuSign. 

  • How can I access DocuSign?

    DocuSign is available online on any device (computer, mobile phone, or tablet) through their own application that can be downloaded in the Google Play Store or Apple App Store. 

Refer-A-Loan

When you refer your friends and family you both benefit! 

Refer a NH resident or business owner to GSCU and you both will receive:

  • $25 for Consumer Loans*
  • $50 for Mortgage and Home Equity Loans*

Complete the form and ask the individual you are referring to submit it to GSCU with their application. 

*Offer is available to existing and new members. Loans must be new to GSCU. Minimum Consumer loan balance of $5,000 or more. Applies for all secured and unsecured loans except for those for business purposes. Minimum Mortgage balance of $100,000 and minimum $40,000 Equity loan balance. Excludes Equity lines-of-credit and Overdraft lines-of-credit. Does not apply to commercial or investment properties. Once it is determined that all criteria has been met, the appropriate incentive will be paid to the referrer and referee’s GSCU saving account within 30 days of loan closing. Member responsible for paying all taxes associated with the reward. This credit union federally insured by NCUA. Equal Housing Lender. NMLS#477276

Skip-A-Pay!

Make life less stressful -  catch up on bills or build up your savings account! You choose which three months you'd like to skip of your consumer loan!

With GSCU's Take Any Time Off Program, you may be eligible to skip your choice of three loan payments on any consumer loan!*

Skip your loan payment today!

*I allow Granite State Credit Union to withdraw a non-refundable $35 processing fee per month, per loan, from my 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, MasterCard®, 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. I understand that my loan(s) will be extended one month beyond original maturity for each month I skip. I also understand that I will be required to make the payment(s) I skipped prior to my final loan payoff and that interest will continue to accrue at the contract rate including the month(s) I have 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 I elected GAP insurance, I understand that 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. I understand that if my 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. By submitting this authorization form, I agree to all of the above terms and conditions.

Credit Report 101

Let us take the mystery out of your credit score. In this informative session, a qualified representative will walk you through the jargon of a report, how scores are generated, and how to improve them. Schedule a private appointment to gain a better understanding of your credit report and discuss ways to improve your score today by completing the form below or calling 800.645.4728. This is a FREE benefit just for members!


(required)

(required)

(required)

(required)

(required)
Security
  captcha code for visual authentication  letter G number 3 letter D number 9

Free Credit Report

Improve your financial health today! Credit plays a large role in assessing your overall financial wellness. You are allowed a free copy once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

Obtain your free credit report today! 

Live Chat