Bad credit loans
When we think of a loan, the first question that pops in our mind is: can I get it? Why do we ask that? Because we were taught that to get a loan, you have to have a perfect credit score. Pacific Spruce Federal Credit Union is here to change that mindset! With our help, you can get online payday loans even with bad credit!

Online Same Day Payday Loans in Toledo
Nobody is insured against situations in which costs are elevating above the savings. Payday loans in Toledo is a solution for emergencies needs, the process is quick, safe, and implies no paperwork.

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?

Payday Loans. Cash Advance Loans
Payday loans are short-term cash advance loans that allow you to get your money in case of financial spending quickly. Did your car break down? Do you have an urgent unpaid medical bill? Payday loans are here to help you! It takes a couple of minutes to submit the online application form, and we will do the rest: approve the request and transfer the money to your bank account as soon as the next business day.

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.

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