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Routing Number: 322282616

Online Banking

Rediscover

with Thinkwise CU

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Personal Loans

Life is full of unexpected moments and opportunities—don’t let financial concerns stand in your way. At Thinkwise Credit Union, we offer personal loans with fast approvals, competitive rates, and flexible terms, all supported by dedicated local service. Whether you're managing unforeseen expenses, consolidating debt, planning a dream vacation, preparing for the holidays, or creating unforgettable celebrations, we're here to help you achieve your goals. Apply today to get started, call us at (909) 882-2911, or visit one of our convenient branches. Empower your future with Thinkwise Credit Union!

For any and everything you might need extra cash for.

We offer:

  • Terms up to 60 months
  • Debt consolidation loans
  • No collateral required
  • No penalty for early payoff
  • Unsecured amounts up to $25,000.00

Made for those who need spending flexibility, these are preset amounts that can be accessed at any time.

Qualified members can enjoy:

  • Amounts up to $25,000.00
  • May be used as overdraft protection attached to a checking account
  • Only pay interest on what you borrow

Designed for life’s unexpected bumps in the road.

We offer:

  • Quick processing time
  • A smarter, safer alternative to Payday lenders
  • Amounts up to $500.00

Application fee of $20.00 due at the time of processing.

Quick Cash Loan Requirements

  1. You must be a member for at least 90 days.
  2. You must present the two most current pay stubs or have direct deposit with the credit union.
  3. The primary member must be the one to apply.
  4. You may only have three quick cash loans per rolling six-month period.

You must come in to the branch or call to apply.

Need some work equipment, attire, or supplies out-of-pocket? We can help with that!

We offer:

  • Amounts up to $1,000.00
  • 0% for up to 12 months
  • No credit qualification needed for amounts up to $500
  • Only one (1) outstanding supply loan allowed per 12-month period
  • Use for classroom supplies, work supplies, or uniform needs

Apply online, in the branch or over the phone at 909-882-2911.

Other Rates & Terms Available

*APR=Annual Percentage Rate. Rates are subject to change without notice. Rates may not apply to current loans financed at Thinkwise Federal Credit Union. New money only, loan may not be used to refinance existing CU loan. Restrictions may apply, see Credit Union for details.

*Holiday Loan: Offer valid October 1, 2024 - December 31, 2024. APR = annual percentage rate. Actual APR determined at the time of loan disbursement, based on individual credit information. Loans up to 36 months, amounts of $5,000.00. Funds cannot be used to pay off existing Thinkwise loans. Federally insured by the NCUA.