Your Credit Union is here to help! If you need quick, easy funds to pay your tax bill, or for anything else, we invite you to apply for our Personal Loan today! We offer personal loans at affordable rates that you can use for just about anything: consolidating debt, paying for unexpected expenses, funding that dream vacation, paying for education expenses, and more! We also offer personal loans that are specially designed to help you build your credit.

You must be a credit union member and have an open Savings Account with us in order to qualify for a loan.

A signature loan from Cal Bear can help you put your goals within reach. No matter what you need the funds for, we make it easy to afford with competitive low rates.

  • Loan amounts up to $25,000
  • Flexible terms up to 60 months
  • Fixed, predictable payments for the life of the loan
  • No collateral required
  • Fast and convenient online loan document signing
 APRAmt / Limit
Credit Score 700+11.15%$25,000.00
Credit Score 660-69913.15%$20,000.00
Credit Score 640-65915.15%$15,000.00
Credit Score 600-63918.00%$2,500.00
Credit Score 599-below18.00%$1,000.00

Click here to download a Loan Application


You can also apply by visiting a branch or calling us at 800-954-BEAR (2327).

If you need to build or repair your credit, or if you just want a lower interest rate on a loan, a share secured loan from Cal Bear might be the right fit for you!

This type of loan lets you borrow against the money you have in savings, while your savings account stays intact and keeps earning dividends. As you make on-time payments on your loan, you’ll build or improve your credit.

  • Loan amounts of $500 or more
  • Flexible terms available (call us for more information)
  • Low fixed rates for predictable payments
  • Fast and convenient online loan document signing
Share Secured
($500 min. Advance)
All Members
3%+ Curr. Share Rate
Cert. Secured
($500 min. Advance)
All Members
4%+ Curr.Share Rate

Click here to download a Loan Application.


You can also apply by visiting a branch or calling us at 800-954-BEAR (2327).

What’s the secret to borrowing wisely? Having a plan! Here are some tips and resources to help you make good borrowing decisions and succeed financially.

Tips & Tools

Tip #1: Borrow only what you need. It might be tempting to borrow as much money as you’re approved for, but doing so only means you’ll have more to pay back (and end up paying more interest). To keep payments affordable and interest at a minimum, borrow only what you actually need.

Tip #2: Compare options. There are several ways to borrow: personal loans, credit cards, home equity loans, student loans, lines of credit, and more. Talk to a trusted advisor like your California Bear Credit Union member service representative to learn about the different options and see what’s best for your needs.

Tip #3: Make payments on time. Making payments a little late might not seem like a big deal, but it can be for your credit score. Making your payments on time every time helps you build stronger credit, which will help you get better interest rates and easier approval in the future.


Use our free financial calculators to help you estimate how much you can afford to borrow, how long it will take to pay off your loan, and more!