Loan & Credit Cards

The Right Loan is only a Signature Away

Whether you’re in the market for an auto loan, VISA credit card, personal loan or a share-secured loan, Cal Poly FCU has a product to meet your needs. We offer loans that make sense to our member’s budget.  Enjoy the many features our consumer loans offer:

  • Competitive Rates
  • Flexible Terms           
  • Easy Application Process   
  • On-line Loan Application Process           
  • Pre-approvals available for auto loans
  • No Funding Fees (excludes HELOC applications) 
  • Quick Loan Processing – Approval within 24 hours
  • Quick & Easy Refinancing a loan at other financial institutions or dealerships for a lower rate at CPFCU  
  • 1.00% Rate Discount w/automatic payment process-to include payroll deduction, direct deposit & ACH

At Cal Poly Federal Credit Union we work hard at finding the right loan for your lending requests. We have a wide variety of loan products to fit your specific financial needs:

New and Used Vehicle Loans – Apply Now!

We make your car buying experience a breeze. Whether you want to buy a new or used car, truck, SUV or van, we offer competitive loan rates and terms to fit nearly every budget. Financing or refinancing a loan are available up to 100% of purchase price of the vehicle loan with terms up to 72 months. The Credit Union will reward our members with a 1.00% rate discount for those who elect to repay their loan automatically through payroll deduction, transfer from a Cal Poly Federal Credit Union checking account or ACH credit.

Get your Credit Union Financing Right at the Dealership – Apply Now!

As a Credit Union member, we can provide you with a Loan Pre-Approval.  It will take all the guess work out of how much car you can afford.  We can pre-approve you for your auto loan and empower you to negotiate the price of the automobile instead of  the payment at the dealership.  It’s easy, submit your loan application before visiting the dealership, get approved, then go shopping.  You just let the dealer know you have your financing all in order at the Credit Union.

New RV, Motorcycle or Boat Loans – Apply Now!

Financing available up to 80% of purchase price.

VISA Credit Card Apply Now!

visa card image

visa card image

Get our Brochure – Credit lines available up to $10,000. Discover the convenience and worldwide acceptance of our VISA credit card. With our low 9.99% apr rate, NO annual fee, NO balance transfer fee, NO over limit fee, NO penalty rate, our VISA card is an ideal way to pay for purchases and travel expenses. Did your credit card company eliminate your Grace Period — we still have a Grace Period (which means if you pay off your balance in full each month by the due date, there are no finance charges). Plus you can easily transfer your high rate balances of your other cards to our low rate card.

Sallie Mae Smart Option Student Loans – Apply Now!

With continued rising cost of college the Sallie Mae Smart Option Student Loans offers the right loan for our students.  The Smart Option Student Loan offers a choice of competitive rates for undergraduate students. Also students can choose the repayment option that works best for them.  Applying online is EASY – it only takes about 15 minutes to apply and get a reply.

Secured Share or Certificate Loans – Apply Now!

Looking for some quick cash. You can obtain up to 100% of the available balance of your share or certificate account. It’s fast, easy, and very affordable.

Signature Loan – Apply Now!

Need money for a vacation, new tires or new living room furniture? Our signature loans are a low cost way to borrow up to $10,000. We offer terms up to 36 months.

Open-End Line of Credit – Apply Now!

If you’re not sure how much you’ll need for expenses coming up, we can set up a line of credit for you. This loan account is established with a particular line and is advanced to you as you need it. Lines are available up to $10,000.

Home Equity Loan (NMLS #1105523)

Do you have a remodeling project, or interested in adding a pool to the backyard? Need a new roof? Do you have a college education to finance? Is that dream vacation a little too far out of reach? Or are you interested in debt consolidation? The equity in your home can be the answer! Home Equity Lines of Credit (HELOC) are available up to $200,000 and can give you financial Freedom. Download a brochure on our Home Equity Loan.  Email to request a HELOC application package to be sent to you.

 Computer Loans – Apply Now!

Up to $3,000 available. Need a computer? Whether it’s for homework (your own or your children’s) or for you to “surf the net” our computer loan is an economical way to purchase that PC or laptop.  It’s the perfect loan for our students.

Do you have a loan question? Direct your questions to