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.

Navigating Financial Emergencies with 3-Month Payday Loans Online
In today's fast-paced world, financial emergencies can arise at any time. Whether it's a sudden medical expense or an unexpected car repair, sometimes we need access to extra funds quickly. This is where 3-month payday loans online come in...Read more.

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?

Same-Day Payday Loans: A Quick Solution for Unexpected Expenses
Same-day payday loans are becoming increasingly popular due to the convenience they offer. They allow borrowers to access cash quickly without having to wait for days or weeks for their loan to be approved...Read more.

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.

Understanding 1-Hour Payday Loans with No Credit Check: Pros and Cons
When you're in need of fast cash, payday loans can be a convenient solution. One type of payday loan that you may come across is the 1-hour payday loan with no credit check. These loans are designed to provide quick access to cash without requiring a lengthy application process or credit check...Read more.

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.

No Credit Check Loans: Understanding Your Options and Risks
Having a good credit score is often essential for obtaining loans and credit cards. However, if you have a poor credit history or no credit history at all, you may find it difficult to qualify for traditional loans. In these cases, no credit check loans may be an option worth considering...Read more.

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.