Local Loans for Locals Only
Here’s something about Pacific Spruce Federal Credit Union that may come as a surprise to you: the money you save here is lent out to other members. Seriously. And it works the other way too. When you need a loan, just fill out an application, qualify and we’ll give you the money you need. Then, as you pay that loan back, the interest will be used to pay dividends to other members. Great system, huh?

Apply In Person
Before you stop by to apply for a loan, be sure to bring your current Oregon Driver’s License, last two pay stubs, proof of employment and last year’s tax return. We’ll do the rest, ensuring you get the right loan for your needs and your budget.

Share Secured Loans
Need a quick loan to cover an unexpected expense? A Share Secure Loan uses your regular Share Account as collateral with a low 3% APR. We’ll help you set up a payment plan that fits your budget and your needs.

Auto Loans
Your next new or new-to-you car or truck is just an application away when you’re a Pacific Spruce Federal Credit Union member. Stop by and we’ll share our flexible repayment plans, pre-approval process, low rates and more. New auto loan financing is available for up to 100% of the sales price of the vehicle, (excluding sales tax, registration and insurance). Used auto loan financing is available up to 90% of the NADA Retail Value of the vehicle. Used autos with less than 15,000 miles can qualify for lower rates and extended payment terms.

Recreational Vehicle Loans
Financing a new boat, snowmobile, motor home, camper or motorcycle is quick and easy as a member. Qualify and we’ll get you funded within 24 hours.

Signature & Holiday Loans
Loans come in all shapes and sizes at Pacific Spruce. Ask about a signature or holiday loan the next time you come by the branch. We’ll be happy to help you make the right lending decision.