Get an account or finance your next loan with Piedmont Advantage Credit Union in North Carolina.


Our fast and simple personal loan process means you'll get your money right when you need it.

One day, your lawn tractor calls it quits. Then the tuition bill comes due. And those credit card bills are growing every month. At Piedmont Advantage Credit Union, we understand that life often presents challenges. We are here to help you navigate those challenges. We offer three types of consumer loans with competitive interest rates, flexible terms and no strings attached. You have the freedom to use the money as you see fit, knowing it's going to give you the breathing room you're looking for.

Signature Loan

  • Need funds? Find your solutions with competitive fixed rates and flexible terms.
  • Consolidate debt or purchase items such as lawn equipment, appliances, ATVs, etc.
  • *No collateral is required.

Apply Online

Premier Advantage Line of Credit

  • Low, fixed annual percentage rate (APR) determined by your credit worthiness.
  • *No collateral is required.

Apply Online

Share Savings or Share Certificate Secured Loan

  • Use money you are already saving as collateral. This low, fixed rate loan is secured by a hold on your Share Savings Account or Share Certificate balance.
  • Proceeds can be used however you need.
  • Repayment options include single pay or monthly.
  • If Share-Certificate-secured, term cannot exceed the certificate's maturity date.
  • If Share-Savings-secured, maximum term is 60 months.

Apply Online

Credit Builder Loan

  • Need to establish credit or re-establish a satisfactory payment history? The Credit Builder Loan is a great place to start.
  • Proceeds are placed and held in a Share Savings Account.
  • Loan amounts range from $500 to $5,000.
  • To apply and for more information, visit your local branch or select an appointment type below.
Not ready to apply online? Select an appointment type below to schedule a meeting to discuss any personal lending needs you may have.


*Additional information regarding assets and liabilities will be required during the application process for any unsecured loan request which, if approved, would result in the member’s total aggregate unsecured direct and indirect liability to the credit union exceeding $10,000. The maximum aggregate amount of unsecured debt any member may directly or indirectly owe the credit union at any one time is $30,000.

Check Your Loan Status

If you have applied online or directly with our lending department and would like to check the status of your loan or to upload requested documents, click below.

Debt Consolidation Calculator

Headquartered in Winston-Salem, North Carolina, and founded in 1949 within the aviation industry, Piedmont Advantage Credit Union (PACU) serves member-owners, who reside, work, worship, attend school or operate a business in one of the six counties it serves in North Carolina or who are employed by one of its many employer companies. These six counties are Davie, Forsyth, Guilford, Iredell, Mecklenburg and Rockingham.

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