Our fast and simple 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, we understand that life often presents challenges. We are here to help you navigate those challenges. We offer three types of personal loans with competitive 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

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

Share or CD Secured Loan

  • Use money you are already saving as collateral. This low, fixed rate loan is secured by a hold on your savings or 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


Giving Credit Where It's Due

It's easy to qualify for a personal loan. Apply Online Today

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Complete this form and a member representative will be in touch soon to help you through your research process so that you are making the best financial decisions for you and your family.

Personal Loan


Headquartered in Winston-Salem, North Carolina, and founded in 1949 within the airline industry, Piedmont Advantage Credit Union (PACU) now serves member-owners, who reside, work, worship or attend school in one of the 13 counties it serves in North Carolina or who are employed by one of its many employer companies. These 13 counties are Bladen, Brunswick, Columbus, Cumberland, Davie, Duplin, Forsyth, Guilford, Iredell, Mecklenburg, New Hanover, Pender and Rockingham. A nonprofit cooperative financial institution, PACU has 10 branches throughout its service regions and employs a workforce of over 120.

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