Personal Loans that fit real life
From everyday needs to unexpected expenses, Thinkwise Credit Union offers personal lending options with flexible terms, competitive rates, and local service you can count on.
Whether you are consolidating debt, covering a short-term cash need, or paying for work and school supplies, we are here to help you move forward with confidence.
Quick highlights
- Unsecured personal loan amounts up to $25,000
- Terms available up to 60 months on eligible personal loans
- Lines of credit available for flexible borrowing needs
- Quick Cash Loan option for smaller short-term needs
- Equipment Supply Loan with 0% for up to 12 months
Borrow for what matters most
Life does not always wait. That is why our personal lending options are built to help with everything from planned purchases to surprise expenses. Explore the products below to find the right mix of flexibility, convenience, and value.
Personal Loan
For any and everything you might need extra cash for.
- Terms up to 60 months
- Debt consolidation loans available
- No collateral required
- No penalty for early payoff
- Unsecured amounts up to $25,000
Lines of Credit
Built for members who want ongoing access to flexible funds.
- Amounts up to $25,000
- Can be attached to checking for overdraft protection
- Borrow only what you need, when you need it
- Pay interest only on the amount you use
Quick Cash Loan
A smarter, safer option for life’s smaller urgent expenses.
- Quick processing time
- A safer alternative to payday lenders
- Amounts up to $500
- $20 application fee due at processing
- Member must be with the credit union at least 90 days
- Two most current pay stubs required, unless direct deposit is with Thinkwise
- Primary member must be the applicant
- Limit of three quick cash loans per rolling six-month period
- Apply in branch or by phone
Equipment Supply Loan
Support for uniforms, classroom items, work supplies, and more.
- Amounts up to $1,000
- 0% for up to 12 months
- No credit qualification needed for amounts up to $500
- Only one outstanding supply loan allowed per 12-month period
- Use for classroom supplies, work supplies, or uniform needs
Why members choose Thinkwise
We combine convenient digital access with real local support, so you can choose the borrowing option that works best for your budget and your timeline.
Simple choices
From short-term needs to larger unsecured borrowing, our personal loan lineup gives members multiple ways to handle planned and unexpected expenses.
Helpful flexibility
Need revolving access to funds? A line of credit may fit. Need a one-time loan for debt consolidation or expenses? A personal loan may be the better path.
Real people here to help
Have questions before you apply? Our team can walk you through the options and help you find the right next step for your situation.
Ready to get started?
Apply online today, call us at (909) 882-2911, or stop by a branch to talk with a Thinkwise team member about the best personal loan option for your needs.
Other rates and terms available. APR = Annual Percentage Rate. Rates are subject to change without notice. Rates may not apply to current loans financed at Thinkwise Credit Union. New money only. Loan may not be used to refinance an existing credit union loan. Restrictions may apply. See credit union for details.