Provident Personal Loans


You may already know that Provident Credit Union offers excellent rates and terms on car loans and home mortgages. Provident can help you on other occasions as well, with personal loans to cover debt consolidation, education, unexpected medical expenses, and more. We offer a number of ways — click on one of the headings below for details:

Rates   Apply   Lending Consultants   Schedule Appointment

Solar Advantage Loan 

Provident is ready to help with special financing that will enable you to use natural resources responsibly and economically. The Solar Advantage Loan is a fixed rate loan for financing the purchase and installation of solar power for your home.1 Installing a solar power system is equivalent to pre-paying 40 years of power, at a fraction of what you currently pay. Once installed, a solar power system requires little or no maintenance and will provide electricity cleanly and quietly for years to come. Saving green while going green—it's a win-win scenario!

Here's how you can go solar and save:

  • A fixed rate of 6.5% APR 2,3
  • 20 year term (240 months)
  • Borrow up to $35,000 3
  • Receive a federal tax credit
  • Learn more about solar and renewable energy at

Rates   Apply

$150 processing fee required.
1 Property must be owner occupied and located in California. For new members (< 6 mos), the property must be located in the following counties; San Francisco, San Mateo, Santa Clara, Alameda, Contra Costa, and Marin, or within a 5 miles radius of the Folsom branch. For existing members (> 6 mos), there are no geographic restrictions within California. 2 APR (Annual Percentage Rate) as of 6/18/2018. APR is subject to change. 3 APR and loan amount are dependent on credit rating.

Fixed Rate Personal Loan 

No collateral is required for this loan. This is a closed end loan with terms available up to 48 months* and the interest rate is fixed for the entire loan term.

Rates   Apply

* Maximum term for all closed end consumer loans is one year (12 months) per $1,000 financed.

New Teacher Loan 

Our New Teacher Loan is available to teachers and school personnel that are new or have recently transferred to a new school system. Qualified members will receive an affordable loan that can be used for situations ranging from debt consolidation to major purchases or other unexpected expenses. This loan is also a great way to help establish or build credit history or to avoid financial trouble.

With a fixed rate and term, this loan offers the following benefits:

  • Loan amounts up to $3,000*
  • 2% rate discount with automatic payment set-up
  • Low monthly payments
  • Terms up to 36 months

To apply, call us at (800) 632-4600, option 3, or visit a local community branch during business hours. To receive a loan application by mail, e-mail our Lending Department. (Applying online is currently unavailable.)

Savings Secured Loan 

This type of loan is fully secured by cash you have in your savings account and is typically used to establish or re-establish credit. You can borrow up to 100% of the amount available in your Provident Credit Union savings, with terms from 1 to 48 months.* Because the loan is secured by your savings, the interest rate is better than that of an unsecured personal loan.

Rates   Apply

* Maximum term for all closed end consumer loans is one year (12 months) per $1,000 financed. Annual Percentage Rate (APR) on loan equals the member's lowest savings rate, plus 3%.

Certificate Secured Loan 

If you need some cash, there's no need to lose the high yield you are earning on your Provident Credit Union Term Share Certificate. Use it to secure a personal loan equal to 80% of the Certificate balance and receive a very attractive rate.* There are no monthly payments required on this loan. The loan is paid off when the certificate securing it matures, or you may opt to renew the loan.

Rates   Apply

* For Certificate Secured loan, Annual Percentage Rate (APR) equals Certificate yield, plus 3% (rate rounded up to next whole number). You cannot use 24-month add-on certificate or IRA certificates to secure a loan.

Smart Option Student Loan 

Get the money you need to help make higher education happen. Student loans for Provident by Sallie Mae®. For borrowers attending or borrowing for a student attending a degree-granting institution. Whether you’re an undergraduate student, graduate student, or parent helping a student pay for school, these flexible loans are designed to meet your needs:

  • Competitive variable and fixed interest rates
  • No origination fee or prepayment penalty1
  • Multiple repayment options
Learn which loan is right for you


Smart Option Student Loan® for Undergraduate Students Pay for your bachelor’s, associate’s, or certificate expenses at a degree-granting school.


Graduate School Loan Pay for expenses as you pursue your master’s and doctoral degrees.

MBA Loan Pay for your business school expenses as you pursue your Masters of Business Administration.

Medical School Loan Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine.

Dental School Loan Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics.

Health Professions Graduate Loan Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs.

Law School Loan Pay for your school and associated expenses as you study for your law degree.


Parent Loan Help your student by taking responsibility with a loan in your name.

Borrow responsibly

We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. Provident is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Smart Option Student Loan and graduate loan products: This information is for borrowers attending degree-granting institutions only. Smart Option Student Loan information is for undergraduate borrowers only. You must be attending a participating school located in the U.S. or have attended one during an eligible prior enrollment period. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service (USCIS) documentation. U.S. citizens and permanent residents enrolled in eligible study abroad programs or who are attending or have attended schools located outside the U.S. are also eligible. For the Dental School Loan, Law School Loan, MBA Loan, and Medical School Loan, students must be enrolling in a graduate-level degree program in a field of study that is eligible for the loan and Graduate Certificate/Continuing Education coursework is not eligible. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Parent Loan: This information is for borrowers with students attending degree-granting institutions only. The student is not eligible to be a borrower or cosigner and must be attending or have attended a participating school during an eligible prior enrollment period, or be enrolled in an eligible study abroad program. The borrower, cosigner and student must be U.S. citizens or permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower and cosigner (if applicable) would still be responsible for repaying that amount to Sallie Mae. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

1 Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.


©2018 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

Other Options 

For convenient access to credit whenever you need it, be sure to check out Provident's Visa cards. If you've got equity in your home, put it to good use with a home equity line of credit or equity loan. Our Prime Plus HELOC and Relationship HELOC each offer very favorable rates. Finally, if you have an auto loan from another lender, consider refinancing with Provident Credit Union as a way to put more money in your pocket.

Apply Now!

To apply online for a personal loan or line of credit, click on the apply button below, call us anytime at (800) 632-4600, option 3, or visit a local community branch during business hours. To receive a loan application by mail, e-mail our Lending Department.

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Already started an online application?  Continue with Existing Application

* The maximum unsecured credit allowed per member, including limits on Personal Loans and Visa is $35,000. All Provident Credit Union loans subject to credit approval.