Other Loans

Bay Area Credit Union offers a variety of low-cost loans for a range of purposes. Loan rates are based on Bay Area Credit Union's reflective pricing program. The rate you pay will be reflective of your credit history. Pre-approvals are available to qualified borrowers.
For more information call: 419-698-2962 .

StretchPay Loan NEW!
MUCH less expensive and easier to use than traditional PayDay loans. Minimal approval requirements. Two amounts available:
$250 Advance available monthly with Annual Fee of $35
$500 Advance available monthly with Annual Fee of $70
18% Annual Percentage Rate.
Loans must be repaid within 30 days and prior to next advance.
PAY YOURSELF FIRST Savings Account: 5% of each advance deposited into this account. No withdrawals while StretchPay loan has a balance. WEALTH BUILDER SAVINGS available instead of OR in addition to Pay Yourself First Savings. More Info.
Click Here for StretchPay brochure. (pdf)

Unsecured Loans
A Bay Area Personal Loan is a flexible loan that can be used for a variety of purposes. Holidays, vacation, education and consolidation are just a few examples. The amount you are eligible for is based on a percentage of your income.

Share Secured Loans
This type of loan lets you borrow against funds you have on deposit at Bay Area Credit Union. You may borrow against funds in your savings account or in a Share Certificate. Your savings continues to earn dividends and the hold on your funds decreases as the loan balance decreases.

Recreational Vehicles, Travel Trailers and Boats
Let's face it, recreation is not only fun, it's therapeutic. Let Bay Area Credit Union help you "afford" the fun. We offer loans for new and pre-owned recreational vehicles, travel trailers and boats. If you have found the RV, travel trailer or boat of your dreams, APPLY NOW. Pre-approvals are also available to qualified buyers. Loans also available at select dealers.

Motorcycle Loans
Bay Area will finance up to 100% of the purchase price, including tax, title and fees. For pre-owned motorcycles, Bay Area will finance up to 100% of the NADA clean trade-in wholesale value. If you have selected the motorcycle you want to purchase, APPLY NOW. Pre-approvals are also available to qualified buyers. Pre-approvals are also available to qualified buyers. Loans also available at select dealers.

Sport Vehicles
Snowmobiles, Jet Skis, mopeds and ATVs fall into this category. Bay Area Credit Union will finance new purchases up to 100% of the purchase price, plus tax, license and service contract. Pre-owned sport vehicles can be financed up to 100% of the NADA clean trade-in wholesale value. Loans also available at select dealers. If you are ready to purchase, APPLY NOW.

Pre-Approved Loans
At Bay Area Credit Union, you can apply for your credit union loan before you select your vehicle. This gives you the ability to shop knowing your financing is already secured. APPLY NOW.