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 needed
  • Fast processing and quick closing

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 Certificate of Deposit (CD) Secured Loan

  • Use money you are already saving as collateral. This low, fixed rate loan is secured by a hold on your Savings Account¬†or Certificate of Deposit (CD)¬†balance
  • Proceeds can be used however you need
  • Repayment options include single pay or monthly
  • If CD-secured, term cannot exceed the certificate's maturity date
  • If share-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
  • Fill out the Loan Inquiry Form below for more information on how to apply.

Not ready to apply online?

Select an appointment type below to schedule a meeting to discuss any personal lending needs you may have.

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.

New to Piedmont Advantage?

If you have an immediate family member of an existing Piedmont Advantage member, work for a Select Employer Group or live, work, worship, attend school or operate a business in the North Carolina counties of Davie, Forsyth, Guilford, Iredell, Mecklenburg or Rockingham, you're eligible to become a member.

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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