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Call us at 310-320-4588 for more information.

Loan Information


If you need help in financing a vehicle, home or other purposes, we've got you covered.

Competitive rates, a variety of terms and fast approval are yours with a Parishioners loan. The Credit Union offers low cost consumer and equity loans to meet your changing needs. Get the cash you need to buy a car, consolidate your high-interest debt, make home improvements and provide cash for life's unexpected emergencies.

Click here to download a loan application now and apply today.

To speak with a Loan Officer please call (888) 397-5111 or e-mail us.

Auto Loans

We help members buy new or used cars, with up to 110% financing available on new and used models and up to 90% financing on older vehicle models. Now we can finance vehicle loans of $25,000 or more up to 7 years. We can also help you buy out an existing auto loan or lease by refinancing your loan at Parishioners Federal Credit Union with more favorable terms. We also offer Mechanical Breakdown insurance and GAP insurance at half the cost of what dealers charge and include it in your monthly payment. Apply today!

Signature Loans

For those of you who know exactly how much they need to borrow, and prefer to have a loan for one lump sum over a specific term, a Parishioners Federal Credit Union Signature Loan is just for you. With a low fixed interest rate, loan amounts up to $15,000 and terms up to 60 months available, you can get the cash you need and be sure that your monthly loan payment won't change throughout the term of your loan.

Click here to Apply today.

Payday Loan

If you need cash fast and can’t wait until your next payday, our Payday Loan is a better alternative choice.

  • Loan amounts range from $200-$1,000 based on your average direct deposit amount
  • Up to a 90-day repayment term
  • Only $20 application fee (non-refundable)
  • 28% APR fixed rate
  • Must have direct deposit with PFCU for at least 3 months
  • No rollovers

Restrictions may apply, consult loan department for full details.

Apply Today


• Up to 110% of Retail Kelley Blue Book Value
• Terms up to 84 months
Click here to apply for a vehicle loan


• Up to 100% of Retail Kelley Blue Book Value
• Terms up to 72 months
Click here to apply for a motorcycle loan

Apply Online NOW!

To apply online for a vehicle or motorcycle loan using our secure loan application form please click here now. To apply for online membership using our secure membership application form please click here to get started.

Drive down your taxes with an Auto Equity Loan

Take advantage of Parishioners Federal Credit Union's Auto Equity Loan. Your credit union adds value to your vehicle loan by adding a courtesy lien on property you own. The finance charges may be deductible helping you drive down your annual taxes. Pay no appraisal or title search fees and no prepayment penalties.

Tempted By 0% Financing From Auto Dealerships?

The fine print in most of these offers include the following:

  • The loan is for a short term, usually one to two years; and rarely longer than three years. They also generally require 10% down to complete these offers, and with a short loan term, your monthly payment could be double the amount you would normally budget (i.e., a $765 monthly payment on an $18,000 two-year loan).
  • Most dealerships will restrict the 0% offer to dealer stock, which means that you may not get the style, options or color you want. Plus, you may end up paying for options you never would have selected, which will cost you more in the end.
  • Very few people are actually declared eligible for 0% financing at a dealer because the dealer can set (and keep secret) their criteria for determining who qualifies.
  • Dealerships generally will not negotiate on the price of cars advertised with 0% financing.

A good option to consider is a dealer rebate. If you apply this towards the down payment of the car, your amount financed will be less, and with a loan from the credit union, you'll still come out ahead in the end. Don't hesitate to contact one of our loan specialists with any questions. We'll help you figure out the best financing option to fit your budget.


Protect your vehicle from mechanical breakdowns and total loss. Click here to find out how.

First Mortgage Loans

Buying a home is the biggest single purchase that you'll ever have to make in your lifetime. Between finding the home that's right for you and the financing that's right for your budget... things can get pretty hectic. Put the financing of your new home in the hands of someone you trust... Parishioners Federal Credit Union.

Parishioners Federal Credit Union and our partner, CU HomeLand, can provide you a better home mortgage solution so you can enjoy home ownership again. We offer a variety First Trust Deed Loans with competitive rates and flexible terms designed to suit the needs of our members. Our First Mortgage loan options include:

  • 10 to 30 year fixed and adjustable rate mortgage loans
  • Loan amounts up to $650,000
  • NO-POINT options to save on up front costs
  • First Time Homebuyer Program

Get a home loan you can live with from Parishioners and CU HomeLand. Whether you are purchasing a new home or refinancing, CU HomeLand offers an extensive range of mortgage products to fit your particular needs. Your personal loan consultant will meet with you to discuss your home loan needs. Parishioners and CU HomeLand make the mortgage loan process affordable and stress-free.

Click here to apply for your home loan or to check the current rates.

Home Equity Loans and Home Equity Lines of Credit

A Parishioners Federal Credit Union Home Equity Loan is the perfect way to get the extra cash you need to consolidate your high-interest debt, make home improvements and provide cash for life's unexpected emergencies. Our Home Equity Loans come with low rates, flexible terms and the high quality of service that you've come to expect from your credit union. Plus, your interest may be tax deductible.

  • Great Rates - You can start saving money right away with fixed Annual Percentage Rates as low as 5.25% APR on Home Equity Loans and a variable Annual Percentage Rate as low as 2.50% APR on our Home Equity Line of Credit.
  • Generous Amounts - You can borrow up to 80% loan-to-value of your home, up to a maximum of $160,000.
  • Flexible Terms - Take up to 15 years to repay your loan.
  • Tax Advantages - Your interest may be tax deductible. Please consult your tax advisor.

Equity Line of Credit

  • 2.50% Introductory rate (please see our rate sheet for the introductory rate period); thereafter, rate will be based on Prime Rate plus 1% effective on the last business day of each calendar month of each year.
  • Maximum Combined Loan-to-Value = 80%
  • Pay no closing costs other than the appraisal fee for loans $95,000 or below. You may pay certain fees to third parties, such as appraisers, title companies and government agencies. Closing costs consist of appraisal fee, fleet title fee, recording fees, flood cert fee and tax service fee if applicable. These fees generally total from $750 to $1,300. Borrower is responsible for any additional fees other than our regular closing costs (i.e. appraisal re-inspection fee, other recording fees, title charges to clear or transfer liens, etc).
  • No points.
  • Rates and terms are subject to change.

Cash Advance Line of Credit

A Parishioners Federal Credit Union Cash Advance Line of Credit offers the ultimate in flexibility. Our Cash Advance Line of Credit is a revolving line of credit up to $7,500 and you can access the line through our P*A*Y*S automatic response system 24 hours a day 7 days a week at (800) 599-7433.

Low Rates, No Fees

With a low variable interest rate, no set-up, annual or advance fees, your costs are much lower than other revolving credit accounts.

Low Payments

Your low monthly payment is based on 2% of your outstanding balance at the time of your last advance.

Overdraft Protection

Working with your Parishioners checking account, your Cash Advance Line of Credit can give you access to up to $7,500 of available cash for overdraft protection.

Apply Online for a Line of Credit loan

To apply online for a Line of Credit Loan using our secure loan application form please click here to get started.

To request a Line of Credit package please call (888) 397-5111 or e-mail us.

Credit Builder

Need help establishing credit? Having trouble adding to your savings account? Our Credit Builder Loan is a new product to help raise your credit score. Loan proceeds are deposited and secured for the duration of your loan. Once your loan is paid off in full, the secured funds are released into your regular savings account! If you’re ready to build your credit and save for your future, ask one of our loan representatives how you can get started today!

  • Build your credit and your savings
  • Loan amount is $3,000.00
  • No credit history or income verification required
  • 48 month term with no prepayment penalty

Click here to apply today.

Credit Cards

Parishioners MasterCard and Visa Credit Cards

Your Parishioners MasterCard and Visa credit cards are accepted at stores worldwide for purchases and cash advances. We offer personal and business credit cards.

For more details and to apply for a Personal Credit Card, CLICK HERE to get started

For more details to and to apply for a Business Credit Card, CLICK HERE to get started

MasterCard/Visa credit card is issued by The Independent Bankers Bank

Protect against unauthorized use of your MasterCard/VISA

SecureCode ensures that only you can use your PFCU MasterCard/VISA for online shopping. Simply go to the SecureCode web site to select and register a password. You must provide the password when shopping at participating SecureCode businesses. No password, no sale. SecureCode protection is a free service your credit union offers.

MasterCard/Visa credit card is issued by The Independent Bankers Bank.

Check Your Credit History

Once a year you should order your credit report from each of the three major credit bureaus. Why? Unauthorized activity or erroneous information on your credit report can make it difficult for you to get credit when you need it. It's important to check each credit bureau, because each agency may include different information about your credit history in its report.

To order your credit reports call the bureaus listed below. Telephone instructions will guide you step by step through the ordering process. There may be a processing fee that you can pay by check, money order or credit card.

When you receive your reports, review them carefully. Promptly report any errors to the credit bureau. The reports will include instructions for reporting errors.


TransUnion Corp.


Annual Credit Report (FREE)

Skip a Payment

Yes! I would like to skip a payment! Find out how by clicking here to get started.

Share Secured Loans

Borrow money secured by the funds in your primary share account while your shares continue earning dividends.

  • Term up to 60 months
  • Reported to credit reporting agency to help you build credit

Click here to Apply today.

Homeowner's Assistance

If you are having financial difficulty in paying your home loan, we are here to help you find solutions.

For assistance, start with a simple phone call to us at 1-888-397-5111. Or, if you currently have your 1st Trust deed loan with us that is currently serviced by CUSO Mortgage, you can call the Collections Department at 1-888-400-5000 ext. 4682.

We may be able to help you get back on track with the following options:

  • Repayment Plan
  • Extensions from 1-3 months
  • Loan Modification
  • Debt management programs with nonprofit independent agencies

Please be prepared to fax or mail one or more of the following items, or have them ready when you call us.

  • Your loan number and property address
  • Written explanation of your current circumstances
  • Most recent proof of income (i.e. Pay stubs, Unemployment, Social Security, Disability, Retirement, Public Assistance)
  • Bank Statements
  • Tax Returns for past 2 years

The U.S. Department of Housing and Urban Development (HUD) is a government agency that can help you to find the nearest counseling agency in your area, please call 1-800-569-4287.